Find the right investment adviser for your goals
Investing money you’ve worked hard for is rarely a decision made in isolation. It sits alongside your tax position, your retirement plans, your family and how long you can leave your money invested.
Financiable® is a free service that connects you with advisers from FCA-authorised firms. Tell us what you’re looking to achieve, and our team of specialists will match you with an adviser suited to your objectives.
Our matching service is free to use. Your initial consultation with the adviser is also free, with no obligation to proceed.
Why seek investment advice?
Investment decisions should reflect your wider financial circumstances, rather than focusing on an individual fund, market or potential return in isolation. A professional investment adviser can review your position and recommend an investment approach that is suitable for you.
Investment planning advice may help you:
- Decide how much money may be appropriate to invest
- Build a diversified investment portfolio
- Understand the risks associated with different investments
- Consider your investment timeframe and access needs
- Review investments you already own
An adviser will usually begin by looking at your income and expenditure as well as any existing investments. Once the adviser understands your position, they can explain their recommendations, including the potential benefits, risks and charges involved. They may also review your investment plan over time as your goals or circumstances change.
Understanding investment risk
All investments involve risk. The value of an investment can rise or fall, and there is no guarantee that you will receive back the amount you originally invested. The appropriate level of risk will be different for each person.
An investment adviser will consider several factors before making a recommendation:
-
Your attitude to risk
This refers to how comfortable you are with uncertainty and changes in the value of your investments. Some investors are prepared to accept greater fluctuations in pursuit of higher potential returns. Others may prefer a more cautious approach, even where this could mean accepting lower potential growth.
-
Your capacity for loss
This considers how a fall in investment value could affect your standard of living, financial commitments or future plans. An adviser will consider both your feelings about risk and the practical consequences of losing money.
-
Your investment timeframe
This is the period between investing your money and expecting to need it. Investments are generally intended for longer-term goals because markets can rise and fall over shorter periods. Money that you expect to need in the near future may not be suitable for investment.
-
Diversification
In other words, spreading your money across different investments, asset types, industries or geographical markets. This can reduce the effect that the poor performance of one investment has on your overall portfolio. However, diversification cannot guarantee a return or prevent every loss.
-
Risk and potential return
Investments offering higher potential returns will generally involve a greater risk of losing money. An adviser can explain this relationship and recommend an approach based on your financial position rather than focusing on potential returns alone.
When should you speak to an investment adviser?
There is no single point at which you should seek investment advice. However, regulated advice may be particularly helpful when you are making a significant financial decision or dealing with a change in circumstances.
You may wish to speak to an investment adviser if:
-
You are investing a lump sum
You may have received a bonus, sold a property or business, built up substantial cash savings or received another significant payment. An adviser can help you consider how much of the money may be appropriate to invest, how it could be spread and how much you may need to keep accessible.
-
You have received an inheritance
Receiving an inheritance can create a number of financial choices at what may also be a difficult personal time. You may find regulated advice on investing, saving, repaying borrowing or taking another approach helpful.
-
You want to build wealth over the long term
Regular investing may form part of a long-term financial plan. An adviser may be able to help you set realistic objectives and recommend an investment strategy that can be reviewed as your circumstances develop.
-
You are planning for retirement
Your investment decisions may affect both how you build money for retirement and how your savings support you once you stop working. An adviser can help you with retirement planning, considering your investments alongside pensions, cash savings and other sources of retirement income.
-
You want to invest tax-efficiently
How investments are held can affect the amount of tax you may pay, but tax should not be considered in isolation. An investment adviser can explain the different accounts that may be relevant to you and assess them alongside your goals, attitude to risk and the charges involved.
-
Your circumstances have changed
Marriage, divorce, retirement, a career change, the sale of a business or the loss of a partner may affect your financial priorities. Speaking to an adviser can help you review your investment plan in the context of your new circumstances.
Why choose Financiable®?
Financiable® helps people find regulated financial advice without having to contact numerous firms individually. Our service works in four straightforward steps.
-
Submit a short enquiry
-
Speak to our team of specialists
-
Get matched with an adviser who provides regulated advice through a firm that is authorised and regulated by the Financial Conduct Authority
-
Attend a free initial consultation
The initial consultation gives you an opportunity to discuss your circumstances, ask questions and understand how the adviser works. There is no need to commit. Should you decide to continue, the adviser will explain their services and any applicable fees before carrying out paid work.
By choosing Financiable®, you can benefit from:
- Access to financial advisers from FCA-authorised firms
- A considered matching process based on your enquiry
- Nationwide adviser coverage
- Local and remote consultation options
To find out more about the process and how we can help you, don’t hesitate to get in touch.
Get in touchTrusted investment advice
-
Regulated by the FCA
Financiable® is a trading style of TFAS Wealth Limited which is authorised and regulated by the Financial Conduct Authority – reference number: 968148.
-
Registered company
TFAS Wealth Limited is a registered company in England and Wales – company number: 13664696.
-
Registered office
Second Floor, St Andrew’s House, 119-121 The Headrow, Leeds LS1 5JW.
-
Data protection
Registered with the Information Commissioner’s Office under registration number ZB370703.
You can check an authorised firm’s status and permissions by visiting the Financial Services Register.