When to Get Financial Advice from a Professional Adviser

When it comes to managing your finances, it's natural to wonder when you might need professional guidance. While some financial decisions can be managed on your own, there are times when the expertise of a professional Financial Adviser can be invaluable. In this article, we'll explore key moments in life when seeking financial advice is a wise decision, highlighting the benefits of working with a professional Adviser.

1. Starting a New Job or Career

Changing jobs or starting a new career often brings financial changes. You may have new benefits, retirement plans, or stock options to consider. A professional Financial Adviser can help you understand these benefits, guiding you on how to make the most of them while setting long-term goals.

2. Buying a Home or Property

Purchasing property is one of the most significant financial commitments you'll make. An Adviser can assist with budgeting for a down payment, understanding mortgage options, and planning for future expenses like maintenance and property taxes.

3. Planning for Retirement

Retirement planning is complex, with many factors to consider. A professional Adviser can help you determine how much you need to save, which retirement accounts to use, and how to invest for growth while minimising risk. Here at A S Wealth Management, we specialise in retirement planning, offering personalised advice to help you meet your retirement goals.

4. Managing Investments

Investing can be intimidating, especially with market fluctuations and a range of investment options. A Financial Adviser can create an investment strategy that aligns with your risk tolerance and financial objectives. At A S Wealth Management, we offer tailored investment advice, helping you build a diversified portfolio to support your financial goals.

5. Navigating Life Events

Life events such as marriage, divorce, or the birth of a child can have significant financial implications. A Financial Adviser can guide you through these transitions, assisting with budgeting, estate planning, and protection needs.

6. Estate Planning and Inheritance

Estate planning ensures your assets are distributed according to your wishes and that your loved ones are taken care of. A Financial Adviser can help you with wills, trusts, and other estate planning tools.

7. Starting or Growing a Business

Entrepreneurship involves financial risk, and having an adviser can be invaluable when starting or expanding a business. A Financial Adviser can help with business structure, tax planning, and cash flow management.

There are many moments in life when professional financial advice is crucial. Whether you're starting a new job, buying property, planning for retirement, or facing significant life events, a Financial Adviser can offer expert guidance to help you make informed decisions.

A S Wealth management offers a range of services to meet your unique needs through personalised advice to ensure you're on the right track. If you're wondering when to get financial advice, consider these key moments and reach out to us. It could be the best investment you make for your financial future.

The home on which the mortgage is secured may be repossessed if repayments are not maintained.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James's Place. Wills and Trusts are not regulated by the Financial Conduct Authority.