A financial adviser offers a wide range of services designed to help you manage, grow, and protect your money—tailored to your specific needs, goals, and life stage. Whether you’re building wealth, planning for retirement, buying a home, or protecting your family’s future, their job is to guide you with professional, regulated advice.
Here are the key services you can call on from a financial adviser in London:
💼 1. Financial Planning
- Full review of your current financial situation
- Identify short-, medium-, and long-term goals
- Create a tailored financial roadmap
- Monitor progress and update your plan regularly
This is the foundation for everything else—your “big picture” strategy.
📈 2. Investment Advice
- Build a personal investment portfolio based on your goals and risk tolerance
- Choose tax-efficient investment products (e.g., ISAs, General Investment Accounts)
- Review performance and rebalance as needed
- Advise on ethical, sustainable, or socially responsible investing if important to you
Advisers can help you grow your wealth and avoid risky mistakes.
🧓 3. Retirement Planning
- Assess how much you’ll need in retirement
- Help with pension planning (personal, workplace, self-employed, SIPPs)
- Advise on pension consolidation
- Plan income drawdown and tax-efficient withdrawals
- Set up lifetime cash flow models so you can see how long your money will last
Planning early makes all the difference.
🏠 4. Mortgage and Property Finance Advice
- Find the best mortgage or remortgage deals
- Help you understand affordability, rates, and terms
- Assist with buy-to-let or second home purchases
- Work with lenders on your behalf (especially helpful for self-employed)
Some advisers are also regulated mortgage brokers.
🧾 5. Tax Planning
- Help reduce income, capital gains, and inheritance tax liabilities
- Recommend tax-efficient savings and investment structures (e.g. pensions, EIS, ISAs)
- Plan the best timing for withdrawals or asset sales
- Collaborate with your accountant, if needed
They won’t replace your accountant but can make your finances more tax-smart.
👪 6. Inheritance & Estate Planning
- Ensure your estate is passed on tax-efficiently
- Set up trusts to protect wealth for children or vulnerable beneficiaries
- Work with solicitors to create or update wills
- Advise on life insurance to cover inheritance tax or provide for dependents
Protecting your legacy is a big part of long-term planning.
👶 7. Family & Education Planning
- Set up Junior ISAs or education funds
- Plan financially for school or university fees
- Help cover future family milestones (e.g. weddings, first homes)
A great option for parents or grandparents looking ahead.
🛡️ 8. Protection & Insurance Advice
- Review what you need to protect your income, family, and assets
- Help you choose the right:
- Life insurance
- Critical illness cover
- Income protection
- Business insurance (for company owners)
Insurance is the foundation of any secure plan.
👩💼 9. Advice for Business Owners & Professionals
- Plan for irregular income or business cash flow
- Extract profits tax-efficiently (dividends, pensions, director’s loans)
- Protect your business with relevant insurance
- Plan for an exit or sale strategy
Financial advisers are especially helpful for freelancers, consultants, and small business owners.
🧠 10. General Financial Education & Decision Support
- Help you understand your options in simple terms
- Act as a sounding board for major financial decisions
- Keep your emotions in check when markets are volatile
- Offer regular reviews to adjust your plan as life changes
Final Thought
A financial adviser isn’t just someone you meet once—they’re a long-term partner in your financial wellbeing. You can call on them at every life stage: from starting your career and buying a home to growing your family, building wealth, and planning your retirement.
Would you like help finding a financial adviser near you, or creating a checklist for your first meeting? I’d be happy to help—just let me know your goals or location!
