Financial advisers play a vital role in helping you navigate life’s financial decisions. From retirement planning and investment management to securing the right mortgage and protecting your loved ones, financial advisers provide tailored guidance for every stage of life. They can also assist with complex matters like inheritance tax planning and offer specialised services for business owners. This blog explores the range of services they offer to support your goals and ensure financial stability.
Retirement Planning
Planning for retirement involves more than just pensions – it’s about building a secure and enjoyable future.
An adviser can help you choose the right pension options. Whether you’re starting a new plan or consolidating existing ones, they can guide you through your choices. They can map out your income and expenses in retirement, helping you understand how long your savings will last and how to achieve your desired lifestyle and plan your cashflow. From managing risks to accounting for inflation, an adviser should ensure your plan stays robust and flexible.
Investments
Investing can feel daunting, but with the right advice, it’s an effective way to grow your wealth. A financial advisers approach to investments should be tailored to your goals and risk tolerance. Whether you’re a seasoned investor or new to the game, they should design a portfolio that aligns with your ambitions, while minimizing risk and maximizing return with carefully chosen assets across different markets. They should also regularly review your portfolio to ensure it stays on track with your evolving needs and goals.
Mortgages
Buying a home is one of life’s biggest milestones, and advisers are here to make the process as stress free as possible. From first-time buyers to remortgaging, a mortgage adviser should be able to match you with the best deal for your situation. Mortgages can be complex, but an adviser can simplify the process and handle the details.
Protection
Life is unpredictable, but the right protection can gives you peace of mind. An adviser can help you safeguard what matters most, with products such as:
Life insurance: Protect your loved ones financially in case the unexpected happens.
Critical illness cover: Ensure financial stability during challenging times through a payout
Income protection: Secure a safety net in case of illness or injury
Inheritance Tax (IHT) Planning
Planning for the future includes thinking about what you’ll leave behind. Advisers can help with exploring tax-efficient strategies to preserve more of your estate for your loved ones. They can also help with protecting your assets while supporting your family through trusts and gifting.
Services for Business Owners
For business owners, financial planning extends beyond personal goals. A financial adviser should be able to provide tailored advice to support your business with corporate investments and employee benefits. This could include pension plans and protection policies or maximising the value of any surplus funds.
At Furnley House, we believe that financial planning is about more than numbers – it’s about people. We’re here to empower you with expert advice, clear guidance, and a friendly approach that puts your needs first. Whatever your goals, we’ll work with you to turn them into reality.
Get in touch with us today and discover how we can support your journey to financial well-being.
