Depending on the nature and complexity of your situation, you may need assistance. Some people simply don’t have the time or expertise to put a financial plan in place, whilst others just need help getting started and someone to refer back to every now and again at critical points.
For many people a change in career or a significant life event may trigger a need for specialist advice. A relationship commitment or separation, the birth of a child, ill health or the death of a family member or friend are all events that may result in a significant change in your financial circumstances, or simply make you realise that you need to assess your own arrangements.
Instead of making a decision based on emotions at the time of such an event, your adviser can help you make a choice based on an unbiased view, while bringing relevant knowledge and expertise to help you think clearly so that the decisions you make are rational and well-considered.
12 reasons why you may need to talk to your financial adviser: