Why do you need a Financial Adviser?

A good Financial Adviser helps empower you to make better decisions with your money – both for now and in the future. But in a world full of online resources and free financial content, you might ask: Why do I really need a Financial Adviser?

Start with YOUR unique goals

What are your long-term goals? What are your family circumstances? Will you have enough money for retirement? How can you make the most of your tax allowances?

Advice is tailored to suit you based on your circumstances both now and in the future. It’s also not a one-off transaction, as regular reviews with your financial adviser will allow your financial plan to evolve as your life changes.

Investing for the long-term

Many people feel uncertain about how investments work or why they’re often the best way to grow wealth over time. A Financial Adviser will explain your options clearly and help align your investments with your life goals.

Why Investing Makes Sense

Reassurance in an unpredictable world

Once your money is invested, it’s crucial to avoid reacting to short-term market movements. Although there are no guarantees, a well-diversified portfolio generally grows over time. A Financial Adviser helps you stay the course, offering reassurance and guidance to keep you focused on your goals

Peace of mind

Financial stress can have serious impacts on both your personal and financial wellbeing. In my experience, peace of mind is one of the most important aspects of financial planning. Professional advice can reduce anxiety, help you make more confident decisions, and give you a clearer picture of your future.

At HJP, we offer intelligent cashflow modelling to forecast how much you could save over time and estimate what you might have to live on in retirement. Having a realistic, achievable plan brings genuine peace of mind.

Simplifying financial planning

We explain financial advice in a clear, jargon-free way. 

After all, it’s your money and you should know and understand how it is being invested. A Financial Adviser will help you feel more confident about your financial goals.

Financial advice can also save you time, reduce complexity, and help you feel more assured in your investment decisions. We take the time to understand your long-term objectives so we can strike the right balance between your goals, your circumstances, and your attitude to risk. We'll ensure your investment portfolio is diverse enough to smooth out the inevitable bumps along the way. 

Advice for the whole family

Working with the entire family has real benefits. It creates a clearer picture of the overall financial position and encourages open, informed decision-making. We often work with multiple generations over the years, helping families plan for the future together.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Still unsure?

We offer a no obligation exploratory meeting. Take just one hour to see for yourself. Come and meet us!

Ben Moram

Senior Financial Planner, HJP

To find out more about Ben, click here.

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Although the content of the article was correct at the time of writing, the accuracy of the information should not be relied upon, as it may have been subject to subsequent tax, legislative or event changes.