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IT’S GOOD TO TALK SIMON PHILLIPS Independent Financial Adviser


Many of us avoid talking about money and feel awkward when the subject of personal finances comes up. That reluctance could be costing you money.


Finances can be complicated, and with today’s market offering so much choice, it can leave many people confused. Most of us have the basics – a pension, a mortgage and some savings – but not only are we unsure whether we have the arrangements that are most suitable for us, we don’t know how to find out.


Even if we have the financial necessities, we may be missing out on the investments, insurance protection and security that we need, because we have only the vaguest ideas about the possibilities.


Many people feel that the process of making personal finance decisions makes them overwhelmed and anxious. So anxious, in fact that many confess to delaying or not making important financial decisions at all, and this can have expensive consequences. For example, simply failing to search out and switch to a better mortgage rate could cost you money.


Can financial services providers help?


Banks, insurance companies and other financial services providers will all explain their products, and their terms and conditions in great detail. They need to do so to sell their products, as well as being legally obliged to be open and truthful about everything they do.


Many provide guides to help explain their products in simple terms and do their best to make technical subjects understandable.


However, at the end of the day, each provider, no matter how upstanding, is still interested in selling their products.


The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment strategy, you should seek independent financial advice before embarking on any course of action. Your home may be repossessed if you do not keep up repayments on your mortgage.


MORTGAGES LIFE INSURANCE SAVINGS INVESTMENTS PENSIONS


FOR A FREE INITIAL CONSULTATION CONTACT SIMON PHILLIPS Independent Financial Adviser T: 01803 752177 M: 07484 095044 E: simon@mycontinuum.co.uk Based in Kingswear


www.mycontinuum.co.uk


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co.uk www.mycontinuum.co.uk Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is authorised and regulated by the Financial Conduct Authority


ESTATE PLANNING


They might try to be objective and many will sincerely try to help you see if the product is appropriate for you, but they will not be quite so ready to point out when a competitor has a product which could be even better for your needs.


But more important still, large financial providers cannot sit down with you, get to understand your needs, and give you the personal answers and explanations that you are looking for.


What can you do?


The answer to personal finance paralysis is simply to start talking about money. Understanding some of the possibilities can be easier if you talk to people who have already faced the same challenges.


But of course making the most of finances needs some expert knowledge.


At Continuum, our mission is to bring our clients a lifetime financial planning experience, where the advice is uncomplicated, clear and at all times meaningful.


Whatever your financial questions, come and talk to us.


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