Financial Planning is used to develop strategies to manage your finances and to protect them, it helps you to meet your financial life goals, even if you may be a long way off from retirement. Your financial future is just as important as the other aspects of life; like your health, family, work and education. Financial advice is not just for the wealthy, its for all types of people and can help you reach your goals, whether it be paying off your home, saving for your first home, saving for a holiday or planning for your retirement. It is also important to consider how to protect your wealth should something happen to you. Financial Planning is a specialist profession, planners have expertise and will keep up to date with the latest legislation helping them work with you to develop a strategy that suits you or your families personal situation.

Many advisers offer a first consultation for free. If you’re not sure if you need advice, why not make an appointment to find out what they can do for you? The rules on fees for financial advice changed from 31 December 2012. If you are looking for general financial planning advice or for advice on buying particular investments you will pay a fee. Advisers must be clear and upfront about what their fees are and agree with you in advance how you will pay them.

If you buy based on financial advice and a recommendation, you should get a product that meets your needs and is suitable for your particular circumstances. Depending on the type of adviser you use, you may also have access to a wider range of choices than you’d be able to access on your own. You will also feel secure knowing someone is guiding you to secure your financial future.