Is now the right time for financial advice?
Important information: investment values and income from investments can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and tax rules may change.
There are no end of factors that can affect your personal finances and investments. From interest rates to inflation, market movements to government policies, the economic situation is constantly changing. And, on top of that of course, life events and personal preferences can often lead to a change of your personal goals and ambitions as well.
It’s at times like these that a financial adviser can really help cut through the noise and bring a fresh perspective to your finances.
Why do people take financial advice?
There are four core benefits to taking financial advice.
- Peace of mind - Keeping up with an ever-changing landscape can take a lot of work and it’s all too easy to react in the moment - especially when markets fluctuate - as they so often do. A financial adviser can alleviate the effort and emotion that this brings and can help identify, select, and ensure you maintain investments suitable for your needs.
- Tax-efficient investment planning - No one wants to pay more tax than they need to. Your personal financial recommendation will look at how you can save as tax-efficiently as possible. By reducing your tax, you can also potentially invest more.
- Investments aligned to your long-term needs - It’s important that you take a long-term view so that your portfolio of investments is built to align to your financial and personal goals, as well as your risk profile. Your financial adviser will also take all these aspects into consideration when coming up with a personal recommendation to help you make the most of your money.
- Time-saving - Our team of advisers do the work, so you don’t have to. They’ll give you a personal recommendation - freeing up valuable time so you have one less thing to worry about.
Is our paid-for financial advice right for you?
We find that customers tend to take advice as a result of one, or a combination of, the above reasons. Therefore, if you have over £100,000 to invest (as there are more cost-effective means of investing if that’s not the case) and relate to any of the points raised above, you may benefit from speaking to a financial adviser.
Fidelity will only suggest financial advice if we think it’s right for you. That’s why we offer a no-obligation, free and informal chat in the first instance. This initial discussion only lasts about 30 minutes. It’s a two-way conversation where we’ll get to learn a bit about you and your financial circumstances. And you can ask as many questions as you like too.
Find out more or call 0800 358 7439 to set up an appointment.
