People are often unsure about whether or not a financial adviser can help them, or if their question is too trivial. To assist with this, we have listed below questions we help customers with every single day.

You will see these are split into different categories depending on if you are of working age, planning for retirement, or in retirement.

Would you benefit from a financial review?

Listed below are some of the most common questions that people like you have about their finances. If you would like some help with any of these areas, please download the list below and tick as many boxes as you like on the right-hand side and we will arrange for our recommended financial adviser to make contact.

There is no cost for an initial – no-obligation – conversation.

Most common questions from working age people:

1. Am I on the best mortgage deal?
2. Can I afford to move to a new house?
3. How can I pay off my mortgage faster?
4. Would my family be ok if something happened to me?
5. Do I need life insurance, and if so, how much?
6. Would I be able to pay the bills if I was not well enough to work?
7. Where is the best place to start with saving or investing money?
8. How much risk should I take with my pension, savings, or investments?
9. How can I learn more about tax efficient savings and investments like ISAs?
10. How do I set up a pension and how much should I save?
11. Which pension company is best for me and how do I choose?
12. What planning should I do for significant life events?
13. How should I go about saving some money for my children?
14. Where can I find out more about different types of pensions and whether I should have one?
15. When can I realistically retire and how much I will need to save?
16. What is the best type of pension for me?
17. Is my company pension scheme any good and will it be enough?
18. I have inherited some money and would like to know what to do with it.
19. Do I need to have a will?
20. I am interested in finding out how to pay less tax
21. How do I build a financial plan that meets my needs?
22. How do I pay less in tax?
23. I would like my pensions and investments to meet modern ethical standards, how do I know if they are?

Please click here to download the complete list.

Would you benefit from a financial review?

Listed below are some of the most common questions that people like you have about their finances. If you would like some help with any of these areas, please download the list below and tick as many boxes as you like on the right-hand side and we will arrange for our recommended financial adviser to make contact.

There is no cost for an initial – no-obligation – conversation.

Most common questions from people approaching retirement:

  1. When can I afford to retire?
  2. Can I afford to go part-time and improve my work-life balance?
  3. How much money do I need to be able to retire?
  4. What is the earliest I can retire?
  5. How much should I be saving towards retirement?
  6. How do I know I can afford the life I want in retirement?
  7. How much will my State Pension be worth?
  8. What are the different options for taking pensions and which is best for me?
  9. I have several pensions in different places and want to know what I should do with them?
  10. I have old Company pensions that I cannot find, how do I track these down?
  11. How can I make sure I do not run out of money in retirement?
  12. I would like a pension review so that I better understand how my pensions are invested and whether I am getting value for money.
  13. How do I know if my pensions are any good?
  14. Am I making the best use of the tax advantages you get with pensions?
  15. How much risk should I take with my pension, savings, and investments?
  16. Can someone help me manage my pensions to ensure they are meeting my needs?
  17. What sort of investment performance am I getting from my pension and what should I be aiming for?
  18. Can I combine all my pensions into one place?
  19. How do I make sure I leave something for the family when I am gone?
  20. How do I plan to ensure my estate is Inheritance Tax efficient?
  21. Where is the best place for me to save or invest money?
  22. How do I ensure that my money is not exposed to too much risk?
  23. What happens to my money or pension if there is a stock market crash?
  24. I would like my pensions and savings to meet modern ethical standards, how do I know if they are?

Please click here to download the complete list.

Would you benefit from a financial review?

Listed below are some of the most common questions that people like you have about their finances. If you would like some help with any of these areas, please download the list below and tick as many boxes as you like on the right-hand side and we will arrange for our recommended financial adviser to make contact.

There is no cost for an initial – no-obligation – conversation.

Most common questions from people who are retired or are thinking about retiring soon:

1. When can I stop working?
2. Can I afford to retire now?
3. How much do I need to retire?
4. Can I continue to work full or part time and still take my pension?
5. Can I afford to do the things I would like to do in retirement?
6. Should I take the pension on offer from my Company?
7. What are the pros and cons of transferring my Company pension?
8. I would like to shop around and take a pension from the highest paying firm.
9. Would I qualify for an enhanced pension, as I am a smoker or have other health conditions?
10. How much State pension will I get and when?
11. How well am I protected against stock market falls?
12. Is my pension and other money held in the right accounts for me?
13. Can I combine all my pensions into one place?
14. Am I eligible to take some equity from my property and if so, how much?
15. How do I make sure I do not run out of money in retirement?
16. How do I make sure I leave something for the family when I am gone?
17. Should I take the lump sum on offer from my pension?
18. What is the best way to put some money aside for my Grandchildren?
19. Can I save tax on my pension or other assets?
20. How do I ensure my Estate is Inheritance Tax efficient?
21. I would like my pension and investments to meet modern ethical standards, how do I know if they are?

Please click here to download the complete list.

If you are still unsure about the value of using a financial adviser, take a look at the outcome of these recent surveys below which have clearly identified the benefits this can bring to you.

So, why not give us a call right now on 01332 548100 or send an email to advice@createfm.co.uk – we look forward to hearing from you.

The benefits of advice:

Royal London report on the emotional benefits of advice:

  • Customers who took financial advice were on average £47k better off.
  • Those who fostered an ongoing relationship with their adviser were up to 50% better off than those who had only received advice once.

Numis Securities report comparing the performance of a typical SJP and Hargreaves client:

  • Benefit of advice was 2% additional growth per annum after charges.
  • £100k invested with SJP over 10 years returned £210k.
  • A Hargreaves SIPP Investor returned £171K.
  • Advice delivered a £39k improved return or 23%.

Sources: Royal London Report “Feeling the benefit of financial advice” – September 2020 & Moneymarketing.co.uk article “Value of advice put at 2% as SJP returns top Hargreaves” from September 2020.