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44 The Modern Family Family finance & family legal


Navigating financial decisions and your wellbeing


No matter what stage of life you’re at, navigating through your personal financial journey is an ongoing and often tough and complex challenge


W hether you’re saving for university, your pension, your


first house, or for children, the process can be a trigger for stress and often cause sleepless nights. Your mental and financial wellbeing is paramount and as such these decisions aren’t something that you have to embark on alone. Financial advisers and wealth


managers across the UK already provide millions of people — with all different levels of savings and at various life stages — with support and guidance so they’re equipped to deal with the challenges that come their way. Spending time talking to a


Your mental


and financial wellbeing is


paramount and as


such these decisions aren’t something to embark on alone.


professionally trained and expe- rienced adviser can provide vital reassurance, reintroduce stability to a fraught situation and provide the confidence needed to help reduce the overall stresses of the decisions that need to be made. Good financial advisers and


wealth managers are qualified professionals who, through their thorough knowledge can help make your money work harder by realis- tically identifying and setting your goals and maximising your returns. In some cases, research has shown that those who take advice are on average up to £40,000 better off than their unadvised peers. That’s


It’s never too early or too late to start. The misguided assumption that financial advice and planning is something just for the wealthy, or that it isn’t worthwhile, is just untrue


It’s never too early or too late to


start. The misguided assumption that financial advice and planning is something just for the wealthy, or that it isn’t worthwhile, is just untrue. Independent research has shown that for the majority of people, the benefits of using finan- cial advice will far outweigh the cost. There are substantial, inde- pendently proven positive outcomes for individuals with lower levels of personal wealth — you could be growing your pension pot before you know it, and if you’re starting out in life, you can use the power of compound growth i.e. interest, divi- dends and reinvestment, to double or triple relatively modest savings in as little as 10 years.


Promotional content ● Saturday 22 June 2019


not to mention the overall impact on a person’s wellbeing that also comes from the clarity, reassurance and confidence of making informed decisions that have been supported by financial experts.


To find out more, the PIMFA website has a handy ‘find a firm’ resource listing regulated financial advisers and wealth managers. Visit: pimfa.co.uk/managing-your- money/find-a-firm/ T: 020 7448 7100


Change a little life forever


It’s incredible to think you have the potential to change a child’s life. Secure your future and transform theirs by leaving a gift in your will to Action for Children


A


ction for Children knows how important it is to provide future


security for your loved ones. So, make sure you protect your loved ones, make your wishes known and support a cause close to your heart by writing your will. For 150 years, Action for Children


has worked tirelessly to support more than 300,000 disadvantaged children, young people and families across the UK every year. The charity knows that the prob-


lems children face can be solved, and that patterns of disadvantage, neglect and emotional distress can be overcome when it intervenes. In a world where one thing often


To find out how to change a little life forever visit actionforchildren.org.uk/gifts-in-wills or call 0300 123 2112 for more information


REGISTERED CHARITY NOS. 1097940/SCO38092. COMPANY NO. 4764232. ©ACTION FOR CHILDREN 2019.AFC 0980


leads to something worse, you can help Action for Children prove how it can lead to something much, much better. By leaving a gift in your will,


you’ll bring hope and happiness into the lives of the most vulner- able children in the UK — now and for generations to come.


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