City thinking, local knowledge

How Financial Advice Can Shape Your Future

By Questa Chartered

Financial Advice Can Shape Your Future

Our finances underpin countless aspects of our lives, but how many people can truly claim to be financial experts? Very few.

If you don’t know how to manage your money, you won’t always make the best financial decisions, and you could miss out on opportunities to make your money work harder for you and your family.

That’s why it’s so important to work with a financial planner who specialises in this field, who has a track record of helping people make the most of their investments to achieve a secure financial future.

Just as a Solicitor can advise you on legal matters, a financial planner can tell you what you need to know about your money and what steps you can take to reach your long-term goals.

Plan for the future

One of the key benefits of financial advice is having guidance to get your affairs in order for the future. Retirement might seem a long way off, but the sooner you get started with planning for later life, the better.

Pension planning can be complex, confusing and daunting, but a qualified financial planner will be able to guide you through the entire process, so you can be 100% confident you can enjoy the kind of lifestyle you want in retirement.

Looking after your family

The desire to take care of our loved ones is part of our DNA – and getting your finances in order is a great way to make this happen. 

A financial planner is able to look at everything from what life insurance policy would be best for you, to helping you reduce your inheritance tax bill. That can make a huge difference to your loved ones and give you invaluable peace of mind.

Plan spending and saving

Effective money management depends on you knowing how much is coming in, how much you’re spending and how much you’re saving.

A financial planner is able to use their expertise to help you get to grips with this, working with you to build your assets and devise an appropriate amount to save, while still having enough money left over for those things that make life worth living, from holidays abroad and tickets to shows, to luxury gifts and treats for the family.

Adapt with changing circumstances

As the years go by, ideally your income should go up and the number and value of your assets grow. This means your circumstances now may not be the same as they were when you first approached a financial planner. Perhaps some of your dreams will now be attainable after all – without you even realising it. 

A financial planner will continually review your position, working to see what you can achieve without compromising your financial position. Obviously, your financial plan will be refreshed in line with your changing situation to help you achieve your targets as soon as is realistically possible.

Paying less tax

Nobody enjoys paying more to the taxman than they have to. Our financial planners can point you towards various tax allowances, investment strategies and government schemes that can help you reduce your tax liability, and free up money for use elsewhere.

Security and peace of mind

Managing your money and making big financial decisions can be overwhelming and confusing in equal measure. It’s well worth having a financial planner cast an experienced, objective eye over your affairs and offer you advice with your personal goals and ambitions firmly in mind.

Our financial planners at Questa Chartered are here to offer you the right advice and help you manage your money in a way that lets you achieve what you want to get out of life. If you’d like to discuss how we could help you, please get in touch with us.

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