The value of financial advice

With so many financial products available over the internet, it can be tempting to cut out the middleman and ‘go direct’.

But when you’re making decisions about your financial future - be it investing, buying a house or protecting your family - the guidance you can get from a qualified adviser can be invaluable.

Going it alone

You might think professional advice is only necessary when it comes to complex investments or pension planning. But even a seemingly straightforward financial goal will involve numerous decisions and a lot of time and effort spent getting it right.

Take buying a house. As well as finding a rate that suits you, you’ll need to consider things all the other things that can affect the total cost of your loan. These may include lender administration and booking fees, length and type of loan, valuation costs and repayment methods.

You’ll need to find the right buildings and contents insurance, taking care to ensure your policy includes all the things you need. You may also want to make sure you have sufficient life and serious illness cover in place, to keep the roof over your head should the worst happen.

Your home may be repossessed if you do not keep up repayments on your mortgage.

How an adviser can help

A qualified adviser can contribute knowledge, experience and expertise – and take care of most of the legwork for you.

What’s more, they will build a relationship with you, paying careful attention to your changing needs and circumstances. They can help you plan for your future effectively, helping you make appropriate financial decisions at key stages in your life.

Ultimately, a good adviser will help you better understand your financial goals, and help you find the most appropriate way to achieve them.

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