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A lot of people assume they only need a financial adviser when they are approaching retirement, have received an inheritance or have built up a significant amount of wealth. In reality, there are many points in life when financial advice can be useful. Sometimes it is because something has changed. Sometimes it is because you have a big decision to make. And sometimes it is simply because you want to know whether you are making the most of what you already have. So, when is t

You may have heard that a financial planner can help you manage your money, plan for retirement or make decisions about your investments. But what does a financial advisor actually do? The simple answer is that a financial adviser helps you understand your current financial position, decide what you want your money to achieve and create a practical plan to help you get there. That might involve pensions and investments, protection or tax planning but good financial advice is