Your Finances.
Your Future.

The Smiths are excited about starting a family, but the financial realities are just starting to dawn on them. So, they decide to get help from an adviser. The adviser explains the importance of life insurance. They explain how it can provide financial security in case of unforeseen events, so the growing family’s needs—like childcare, education, and living expenses—are covered even in the worst-case scenario. The adviser then helps them choose a policy that fits their budget and accounts for future expenses. Regulated advisers have a fiduciary duty to act in their client’s best interest. This means they can only recommend policies that are truly suitable for the client. In contrast, insurance company employees aim to sell the highest priced policy possible.

John is a professional in his mid-40s. Over his career, he’s worked for several employers. This has left him with a mix of pensions scattered across providers. John’s not sure if they are optimised or aligned with his retirement goals, so he consults a financial adviser. The adviser reviews John’s pensions and identifies several issues. The charging structure is opaque, and some funds are underperforming. There’s also an overlap in investments, a limited range of fund options tied to a single provider, and a lack of flexibility for income withdrawal, such as the absence of a flexi-access drawdown facility. Additionally, John’s old employer schemes don’t accommodate his preferences for ethical investments and fail to provide ongoing advice to ensure his plans adapt to changes in his circumstances, legislation, or risk profile. The adviser suggests that John consolidate his pensions into a more transparent, more aligned plan for better tax efficiency. The result? A plan that’s true to John’s values and the ability to receive ongoing advice as his goals and risk tolerance change.

After a long career, Alice is planning to retire in the next few years. She’s not sure whether she needs to adjust her investment strategy in the lead-up. A financial adviser helps Alice rebalance her investment portfolio by allocating more funds to lower-risk assets. They also structure them in a flexi-access drawdown. That way, she can take her retirement income as flexibly and tax-efficiently as possible. This helps Alice save up to £8,000 annually during retirement.

Riley isn’t quite at retirement age yet, but they’re starting to think about maximising their nest egg. They seek out help from a financial adviser. The adviser uncovers opportunities for Riley to use tax reliefs on pensions and employer-matched contributions. This results in an additional £5,000 in annual savings.

Sarah has been investing for years, but she’s not sure if her portfolio is performing well for the risk she’s taking. She works with a financial adviser, who reviews her investments. They find a lack of diversification and suboptimal risk-adjusted returns. The adviser suggests reallocating funds to more tax-efficient options with an improved asset allocation. Now, Sarah’s portfolio is delivering better (after tax) returns (net of fees and charges) and is optimised for her risk tolerance and goals.