Updated: Jul 20
No 1: To protect your family
There are a lot of people trying to sell you insurance of one type or another but an adviser can tell you which one is actually worth buying. Here at Reeves Independent we will assess your position & guide you through the best options to protect yourself & your family – regardless of whether you are single, married, have children or they have long left home. Whatever your needs, our adviser can help ensure personal tragedy does not turn into financial crisis.
No 2: To help you plan for retirement
Once you have sorted out your short-term saving needs, you can then start thinking about the long-term – and most people these days realise they cannot rely on the State for more than the absolute basics. However, planning for retirement is a complex business and there are many different options available. Pensions have come a long way in terms of flexibility and transparency in recent years and now offer a wide range of investment options. Our financial adviser will not only help sift through the many rules and product options but also help construct a portfolio to maximise your long term prospects.
No 3: To help meet your investment goals
As you progress through life, you begin to build your assets and your income begins to increase. You then start considering how you can enhance your position rather than simply consolidate it. This could mean anything from looking to retire early through to paying school fees for private schools or investing in overseas property.
However your dreams evolve, our financial adviser can help assess what is realistically possible – and put the best plan in place to help you achieve it.
No 4: To find the right combination of assets
Investment is as much about protecting the potential downsides as it is about targeting maximum growth. High returns are often associated with high risk – and not everyone is happy if their investment falls by a third or more overnight. Our financial adviser will make a detailed assessment of your attitude to risk before making any recommendations. They will also ensure you don’t put all your eggs in one basket by helping you diversify not only across asset classes but also across accounts, individual funds and product providers.
No 5: To obtain an objective assessment
Every new product or investment opportunity is accompanied by hype, proclaiming it is the best ever – but that does not mean it is right for you. Investors the world over have been and will continue to be caught out by market bubbles or high charges because they don’t take a step back. Our financial adviser knows how products and assets work in different markets and can outline the downsides for you as well as the benefits. Between you, you can then make a more informed decision about what hype you can believe – and what products you really need to avoid.
No 6: To keep you on track
Even when you have every product you need taken care of and your investments are set up and running to plan, someone needs to keep an eye on them in case changes in markets or abnormal events push them off course. You can ask our financial adviser to do this monitoring work for you. They can assess the performance of individual investments against their peers, ensure that your asset allocation does not get distorted as markets move and also help you consolidate gains as the dates of your ultimate goals approach.
No 7: For peace of mind
Money is a complicated subject and there are many things you need to think about to both protect it and make the most of it. Markets are volatile and the media is prone to exaggeration of both the risks and the rewards. Employing a good financial adviser can take the emphasis away from you and move it into the hands of an expert. Whether you need general, practical advice or a specialist with dedicated expertise, the money you invest in taking advice could be paid back many times over in the long term.
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