With average fees of around £150 an hour for independent financial advice, it can feel counterintuitive to part with your money in order to grow your wealth. However, before you decide to go it alone, take into consideration these reasons why it might actually be better in the long run to hire a professional.
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Services on Offer by IFAs
- You are getting close to retirement age
- You have got a significant increase in earnings
- You have received an inheritance
- You are going through a divorce
- You sell a business, property, or have another significant event
- You want to consolidate your finances and take better control
- You are preparing to pass on some of your money to loved ones
- You are recently widowed
Many financial advisers will offer a free consultation in order to discuss their expertise and the fees.
Top 10 Independent Financial Advisors in Hertfordshire
|Rank||Advisor||Description||Find An Advisor|
|1||Wealth Matters provides clients with completely independent financial advice, which means they have the entire market at their disposal from where to source the best products and Herts financial services for your unique requirements.||Find An Advisor|
|2||The financial advisers at Richmond House provide a completely holistic financial service that is fully independent and authorised and regulated by the Financial Conduct Authority.||Find An Advisor|
|3||At Brookmans & Berkeley they aim to put their clients at the very centre of all their financial dealings, coming up with advice and solutions that can benefit your long term goals and aspirations.||Find An Advisor|
|4||At Sterling their main aim is to provide you with complete financial security, giving you the peace of mind that you are covered for any of life’s unexpected events.||Find An Advisor|
|5||You wouldn’t set off on a long road trip without making provisions along the way. At the very least, you would have your destination and your route all mapped out and would have checked where you can stop for fuel, and ensured your car had oil and there was a spare tyre in case of a puncture.||Find An Advisor|
|6||The skilled advisers at Provisio Wealth bring a modern, professional approach to ensuring your financial freedom.||Find An Advisor|
|7||The objective at Leabourne Financial Advice is to offer quality financial advice that is always in the clients best interest, and is accessible to all walks of life, not only the affluent.||Find An Advisor|
|8||Fortuna Financial Planning offer their highly skilled financial advice to individuals, business and corporate clients. They provide a completely holistic service, independent of any providers or services meaning the advice you receive is completely free from bias, and always in your best interest.||Find An Advisor|
|9||Rego Wealth offer a completely bespoke service to their clients, offering advice and financial planning that is as individual as you are.||[circle_progress fill=”71″ color=”#41d6cd” size=”small”]||Find An Advisor|
|10||The advisers at Castle Wealth provide their clients with a structured visual of their finances so they can fully appreciate how the decisions they make now can drastically influence their finances in the future.||[circle_progress fill=”70″ color=”#41d6cd” size=”small”]||Find An Advisor|
Choosing an IFA
Secure Your Retirement
Possibly one of the main reasons why anyone considers getting independent financial advice is to ensure they have an adequate amount of money saved for their retirement. But a pension is so much more than just a savings account, and requires careful management if you are to make it work efficiently. There are tax planning considerations to ensure you are optimising your pension pot, and investing your pension requires skill and knowledge if you are going to maximise on your returns within your risk profile.
As well as this, most people will struggle to put a final figure on the amount of money they will need for their retirement. Taking into account retirement age, state pension, long term care, taxes, standard of living, and other factors, an independent financial adviser can help you come up with a definitive amount, so you know exactly where you need to get to.
Lucrative Tax Savings
Tax planning is a consideration for almost everyone, and finding ways to legitimately mitigate your exposure to tax can literally save you and your family thousands, making the small fee you pay for financial advice completely worthwhile.
Independent financial advisers can offer you guidance on the best vehicles to save you tax on your savings as well as ensure you are drawing your pension in line with the generous tax breaks available. One area where sound financial advice can result in profitable returns is when it comes time to pass your estate to your beneficiaries. An astute independent financial adviser can provide you with various ways to extenuate what can otherwise be crippling inheritance tax and ensure your beneficiaries receive the bulk of your estate.
Protecting You and Your Family
Having a solid financial plan in place can provide financial protection for you and your family, regardless of life’s unexpected events. Protecting your income, your life, your home, and your assets, against illness, accident and even death, can provide you with the peace of mind that you are in a position of financial stability. An independent financial adviser can help you sort through the thousands of products available to ensure you have the right level of cover for your unique circumstances at the best possible price available.
These are just some of the reasons why the initial cost of an independent financial adviser can reap financial rewards over time. Studies have shown that people who seek financial advice are significantly better off than their unadvised counterparts. Regardless of your current stage in life, your goals and aspirations can become a reality with the help of a good independent financial adviser.
Here is our round-up of top IFAs in Hertfordshire
Eastmoor Lodge, East Common, Harpenden, Hertfordshire, AL5 1DAFind an Advisor
Wealth Matters provides clients with completely independent financial advice, which means they have the entire market at their disposal from where to source the best products and Herts financial services for your unique requirements. They employ a team of highly qualified individuals who collectively make a formidable task force when it comes to financial planning, including an in-house investment team and specialists mortgage advisers.
The skilled team at Wealth Matters utilise all their skills and experience to put together a financial plan that can help you achieve complete financial freedom. They want to understand your dreams and aspirations so they can build an effective strategy to ensure they become a reality. The skilled independent financial advisers will place particular emphasis on providing for your retirement, ensuring that nothing is left to chance and you get to live the lifestyle you want in your later years.
In order to ensure that no stone is left unturned when preparing your financial plan, the independent financial advisers at Wealth Matters employ a six step process that comprises of the following:
Stage 1 – Identifying Your Goals and Aspirations
Your short, long and medium term goals will all be established as well as your risk profile. This is a critical component of your plan, and helps the independent financial advisers calculate the best way to achieve your final destination.
Stage 2 – Finding Out About You
With such a tailored service, it is imperative that your adviser really gets to know you, so this stage is dedicated to really understanding all about your current circumstances. Your family, your commitments, your income, your outgoings, the tax you currently pay and all the products and financial services you currently utilise.
Stage 3 – The Review
Having collected all the information about you and your current financial position, your adviser will conduct a comprehensive review and financial health check in order to ascertain if you are on track to realising your goals and identify areas that need to perform more efficiently.
Step 4 – Developing Your Plan
This is when the magic starts to happen and your adviser maps out the exact route to your financial freedom.
Step 5 – Implementing Your Plan
Your plan will need to commence action immediately in order to stay within the timeframes outlined, so your adviser will waste no time putting everything in place and ensuring it is all running smoothly.
Step 6 – Reviewing the Plan
Because all our circumstances are constantly changing, and the marketplace is constantly on the move, your plan will undergo regular reviews to ensure it remains on track and is operating efficiently.
Richmond House Wealth Management
Premier House, Argyle Way, Stevenage, Hertfordshire, SG1 2ADFind an Advisor
The financial advisers at Richmond House provide a completely holistic financial service that is fully independent and authorised and regulated by the Financial Conduct Authority. Their skilled financial advisers are focused on providing the best possible outcomes for their clients with tailored financial planning that is backed up by first class customer service. At Richmond House they aim to take into account your unique needs and requirements in order to provide a service that is completely tailored to you and can therefore best help you grow and protect your wealth. Clients of Richmond House have expressed their appreciation of the jargon free knowledge and advice that they have received as well as the approachable manner of the financial advisers who are always on hand to help with wealth management solutions.
Pensions can present a complex and confusing environment for many and without adequate knowledge, it is likely that you are not maximising on the potential growth of your pension fund. The advisers at Richmond House work with you to consolidate any dated pension provisions you may have in place in order to take advantage of the flexibility that modern plans utilise and avoid the high policy fees that many older plans bore. They work with you to ensure you are taking advantage of any tax reliefs that are available and help ensure that you can look forward to a comfortable retirement that is free from financial worry.
The advisers at Richmond House understand that the current low interest rates on savings are unlikely to be adequate enough to grow your wealth in line with inflation. Therefore, they offer investment in the financial markets as a lucrative alternative, taking into account your current circumstances and ensuring that investing is a viable option for you. They will then put forward a sound investment strategy with a risk appropriate portfolio, expertly balanced to meet your requirements and managed with skill and expertise.
We all want to know that our families will be adequately provided for in the event of our death, and the skilled advisers at Richmond House can help make sure you have just the right level of cover, at the best possible price, to ensure your family don’t have a massive financial struggle at an already emotional and challenging time.
Brookmans & Berkeley Wealth
Maple House, High Street, Potters Bar, Hertfordshire, EN6 5BSFind an Advisor
At Brookmans & Berkeley they aim to put their clients at the very centre of all their financial dealings, coming up with advice and solutions that can benefit your long term goals and aspirations. They do this in a highly personalised way, taking the time to get to know you, your current circumstances, and your long term financial dreams. By building a close, long lasting relationship, Brookmans & Berkeley position themselves perfectly to assist you when changes in your personal circumstances arise as well as changes in legislation so they can ensure your financial plan remains on track.
Protecting your income, your family, and your property is one of the most effective ways of ensuring your financial plan does not become derailed by one of life’s unexpected events. With the multitude of products available all offering a different level of protection at a different price, the sound advice of an adviser at Brookmans & Berkeley can help you find the exact product to best meet your individual needs, whether it be life insurance, business protection or income protection.
With thousands of Mortgage providers crowding the marketplace, financing a mortgage has become a matter of sourcing the most suitable product for your individual requirements. There are several components to consider, including the interest rate, associated fees, term of the loan and any other enhancements on offer. You also need to consider the repayment method that suits you best, either repayment, interest only or alternatively a combination of the two. These are all areas where the assistance of the experienced advisers at Brookmans & Berkeley can help you secure the best product to suit you, potentially saving you thousands over time.
Savings & Investments
It is important to primarily identify the difference between savings and investments in order to ensure that your cash is operating in a useful manner towards achieving your overall financial goals. Savings can be accessed reasonably quickly and are usually used for larger purchases such as a car or holiday. Savings are usually kept in a bank account, and finding the right account with the best interest can be achieved with the help of your adviser. On the other hand, your investments are a long term strategy, utilised to help grow your wealth in line with your financial aspirations.
Sterling Independent Advisers LLP
61 Maxted Road, Hemel Hempstead, Hertfordshire, HP2 7DZFind an Advisor
At Sterling their main aim is to provide you with complete financial security, giving you the peace of mind that you are covered for any of life’s unexpected events. They provide a completely bespoke service, putting you and your needs at the very heart of everything they do. They believe that by taking the time to completely understand your current circumstances, they will be in the best position to put a detailed plan in place to get you to where you want to be. They don’t believe in leaving your finances to chance and will start by listening to your hopes, dreams and aspirations in order to ensure you achieve financial success.
Your financial future comprises of the short, medium and long term and it is by understanding these three elements, as well as your current circumstances that the skilled advisers at Sterling can help you map out your life milestones such as the purchase of a property, your children’s education, and even retiring to ensure you are prepared and in a position to realise your goals.
Sound financial planning can help you grow your wealth in a tax efficient way in order to meet your financial goals as well as provide protection for you and your family against any of life’s unexpected circumstances.
In order to maintain your standard of living into your retirement years, you need to plan beyond the state pension and put a personal pension plan in place. The independent financial advisers at Sterling can help you put a value on the exact amount you will need in order to secure your financial freedom in retirement, taking into consideration variables such as income tax planning and unforeseen circumstances.
For clients with existing pension arrangements already in place, the advisers at Sterling can conduct a thorough review, ensuring your pension is on track towards providing you with the retirement you aspire to. A review of this scale can often identify areas where improvements can be made to maximise your pension pot, and it is often the case that larger funds require more advice in order to ensure optimum performance.
Stafford Wealth Management
The Red House, Bluecoats, Herford, Hertfordshire, SG14 1AXFind an Advisor
You wouldn’t set off on a long road trip without making provisions along the way. At the very least, you would have your destination and your route all mapped out and would have checked where you can stop for fuel, and ensured your car had oil and there was a spare tyre in case of a puncture. That’s because by leaving these things to chance, you have no way of guaranteeing you will make it to your destination, and at Stafford Wealth they feel the same way about your finances. They make sure they understand exactly what your position is now, as well as gathering information about what you may need for the journey, such as a property, new car or education for your kids. The next step is ensuring you are protected for unexpected bumps in the road ahead with adequate protection for both you and your family, so you can travel the road with ease and experience the financial freedom of knowing that you are covered for all eventualities.
Making smart financial decisions today can make all the difference to your tomorrows. The expert advisers at Stafford Wealth provide you with the tools you need to benefit your finances both now and in the future.
The first step to creating a comprehensive financial plan is to get your current financial affairs in order, giving you a clear picture of where you sit now, as well as providing the advisers with the information required to project what your financial future currently looks like. This provides the starting blocks to your financial plan, including protecting your assets, optimising your investments and reviewing your position to ensure you remain on track.
A sound investment strategy can make all the difference in the amount of wealth you have in order to achieve your financial goals. Investments provide the backbone of any successful financial plan and the experience and knowledge provided by the advisers at Stafford Wealth can help you establish exactly what you need your investments to achieve, as well as define your attitude to risk in order to facilitate the creation of a bespoke investment plan. Any existing investments can be reviewed and analysed in order to ensure they are performing towards your end goals and are utilising any tax breaks available.
The Nexus Building Broadway, Letchworth Garden City, Hertfordshire, SF6 9BN
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The skilled advisers at Provisio Wealth bring a modern, professional approach to ensuring your financial freedom. They believe in providing unparalleled customer service, getting to know you and your aspirations and treating you as an individual in order to put together a financial plan that is as unique as you are. They aim to gain a detailed understanding of your financial goals and aspire to create a plan that can guarantee that those goals are within your reach. They take the time to understand your attitude to risk and utilise cutting edge technology so you can keep on top of exactly how your investments are performing.
Balancing your financial goals with your current circumstances and tolerance to risk is the key to establishing a successful wealth management strategy. At Provisio the skilled advisers have access to a series of low-cost, multi asset portfolios with varying levels of risk which they can utilise to ensure your investments are in line with your cash-flow requirements. They combine this with a clear taxation strategy and estate financial planning in order to establish a comprehensive wealth management strategy that ensures the following:
- Your income is always in line with rising inflation
- Your investment growth is fully maximised whilst your exposure to risk is minimised
- Your tax liability has been mitigated as much as legitimately possible
- The cost of your investment management is as low as possible
Future Cash Flow Analysis
In order to gain a complete understanding of your present and future income and expenditure, the advisers at Provisio will undertake a cash-flow analysis. This starts with learning about your objectives, both now and in the future, including plans to buy a home, educate your children or retire early. This can help build a picture of whether your finances are in line with your objectives, providing you with an accurate account of your current and future income and where you sit within the timelines identified. With this information and the innovative analytical software they utilise, the advisers are able to give you a visual representation of your future cash flow, as well as an investment strategy that will help grow your wealth in line with your objectives.
Leabourne Financial Advice Ltd
135 Ware Road, Hertford, Hertfordshire, SG13 7EG
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The objective at Leabourne Financial Advice is to offer quality financial advice that is always in the clients best interest, and is accessible to all walks of life, not only the affluent. They strive to provide a completely bespoke service, with each piece of advice being specifically tailored to your unique circumstances at a fair and accessible price. They implement a step by step process, in order to ensure you are always fully informed and can choose the financial services you wish to engage.
Step one is an initial conversation, an opportunity for you to discuss the services that Leabourne offer and how they can benefit you as well as details on the cost of the services.
Step two is all about learning as much about you as possible. Your adviser will gather as much information on your financial affairs as they can as well as take the time to assess your current situation and where that sits against your financial objectives.
Step three is a confirmation of the terms under which Leabourne will provide their services to you, what you can expect, and how much you will be charged for these services.
Step four is in depth research and analysis including a look at the performance of any existing arrangements you have in place. At this point your adviser can gain enough knowledge to put educated recommendations in place for the best products and services to meet your financial objectives.
Step five is a meeting with your adviser to discuss their findings and recommendations. Your adviser will take the time to ensure you are completely informed of all areas of your financial plan, keeping you in control.
Step six is implementing your financial plan. This will come with a new quotation covering all paperwork and applications, keeping you completely informed of progress.
Step seven, the final stage of your financial journey, is regular reviews to ensure that your plan remains on track, despite changes to your circumstances and to the market.
Leabourne offers you experienced, qualified financial advice that is authorised and regulated by the Financial Conduct Authority, giving you complete peace of mind that you are receiving the best advice possible.
Fortuna Financial Planning
114-116 Fore Street, Hertford, Hertfordshire SG14 1AJ
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Fortuna Financial Planning offer their highly skilled financial advice to individuals, business and corporate clients. They provide a completely holistic service, independent of any providers or services meaning the advice you receive is completely free from bias, and always in your best interest. With offices local to Hertford, they are authorised and regulated by the financial conduct authority and an ideal choice if you are looking for a local adviser.
The mortgage market has changed considerably in recent years and there is now a greater choice and more variables than ever before. Price comparison websites won’t provide you with a complete picture and making the wrong decision can end up costing you thousands over time. The advisers at Fortuna Financial Planning can help you ascertain how much you can realistically afford to borrow and help you secure the best possible mortgage prior to finding your ideal property so you are in a position to move quickly when the time is right. The holistic mortgage service at Fortuna Financial Planning includes arrangement fees, deposit, credit status and associated costs, and continues to operate on your behalf, ensuring you always receive the best rates available from mortgage advisers across the entire market.
The advisers at Fortuna Financial Planning are on hand to help you make the most of your pension arrangements, ensuring that you are always on track to the lifestyle to aspire to in your retirement. They will review and assess any existing arrangements you have in place, consolidating any old work pensions that may not be performing optimally and ensure that your pensions are offering you flexibility and tax efficient investing with a wide choice of Vanguard funds. The advisers at Fortuna Financial Planning can help you save for your retirement, in line with your current circumstances. They will work with you to ensure your pension is as efficient as it can possibly be and you are taking advantage of any benefits open to you.
Protecting you and your family against one of life’s unforeseen circumstances can help ensure your financial plan doesn’t become derailed at the first sign of trouble. The advisers at Fortuna Financial Planning can help source the best product and the most adequate level of cover to suit your unique circumstances.
42-44 Clarendon Road, Watford, Hertfordshire, WD17 1JJ
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Rego Wealth offer a completely bespoke service to their clients, offering advice and financial planning that is as individual as you are. At Rego Wealth they combine traditional methods of personalised service with innovative solutions and investment opportunities and a global asset exposure to ensure you are taking advantage of everything the market has to offer. They refer to themselves as a boutique firm which is an acknowledgment of the highly tailored service they offer, whether you require one off advice in a specific area, or need a complete and comprehensive financial plan to ensure you can achieve your financial aspirations and goals.
The ethos behind the wealth management at Rego Wealth is to help clients attain full financial control both now, and in the future. They achieve this with a completely tailored solution, a plan that is as individual as you are, to support you in your quest to obtain an income that can support your lifestyle at every stage of your life. The skilled advisers achieve this by learning all about you, your current circumstances, your dreams, and your future financial objectives.
Wealth management is achieved with savings advice, investments, and pensions and retirement planning.
Pensions and Retirement Planning
The financial planners at Rego Wealth consider pension planning a key area of the service they offer. They encourage their clients to take control of their retirement at the earliest opportunity in order to ensure they can enjoy the lifestyle they aspire to. Rego Wealth understands that the state pension is barely enough to cover the most frugal lifestyle and can help you supplement this so you can enjoy financial freedom in your twilight years.
Regardless of what stage you are in with your pension planning, the advisers at Rego Wealth can help ensure you are making the most of the tools available in order to ensure your pension pot is as lucrative as possible. They will conduct a thorough analysis of any pension provisions you currently have in place and make recommendations on how things can be improved.
Castle Wealth Ltd
The Town House, 114-116 Fore Street, Hertford, Hertfordshire, SG14 1AJ
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The advisers at Castle Wealth provide their clients with a structured visual of their finances so they can fully appreciate how the decisions they make now can drastically influence their finances in the future. This in itself empowers you to make informed and educated financial decisions to ensure a financially secure future. They treat each and every client as an individual, providing a bespoke service and building a long lasting relationship in order to ensure financial success regardless of the size of your portfolio. Their superior level of service earns them the trust and loyalty of their customers as well as the comprehensive services they offer.
Achieving the best possible returns without making yourself uncomfortable with the risk you are undertaking, requires a skillful balancing act. For clients with existing portfolios who are unsure of their risk level, cost, or even the effectiveness of the investments they have in place, the advisers at Castle Wealth offer a completely free review service in order to conduct a financial health check. This sets them apart from their competition and can give you an insight into the potential value add of switching to Castle Wealth, without any obligation to continue with their service. They can help structure your finances in a way that mitigates your exposure to changes in your circumstances including new taxes, new legislation, temperamental markets, inflations and changes to your personal circumstances.
As with their investments service, the financial planners at Castle Wealth offer a completely complimentary review service of any existing arrangements you have in place, ensuring you are still in line with changes to the pensions market and the recent introduction of the pensions freedom legislation.
The advisers at Castle Wealth have the skill and knowledge to blend together the most efficient saving vehicles in order to achieve the best possible returns for your retirement. Given that more and more people are now spending as much time enjoying their retirement as they did saving for it, it is crucial that you take this step as soon as possible so you can enjoy the financial freedom that professional advice can afford you.
Need help finding an Independent Financial Advisor?
Most common questions Peter and the team get from investors in Hertfordshire
I see adverts for Financial Advisors Hertfordshire and Financial Planners in Hertfordshire, what is the difference?
Whilst there is most definitely an overlap between the roles of a financial planner and a financial adviser, they do have important differences that you should familiarise yourself with before you engage their services. Both financial planners and financial advisors will assess your current financial situation in order to put together recommendations to improve that situation.
A financial adviser has the primary ambition of helping you to manage your money including:
Financial planners however are one type of adviser who specialises in creating a plan to help companies and individuals achieve their long term financial goals and can include entities such as:
Education funding planning
It is important to note that whilst a financial adviser will possess qualifications and credentials to help them achieve their purpose, just about anyone can call themselves a financial planner without possession of any qualifications.
If I choose a local IFA in Hertfordshire what is it they will do?
The primary role of a financial adviser is to assist individuals in achieving their long term and short term financial goals. In order to accomplish this, financial advisors will meet with clients to assess their financial needs and work alongside economic trends, regulatory changes and the clients wishes in order to help them with investments, tax laws and insurance decisions.
Some of the typical tasks undertaken by a financial adviser can include the following:
Recommend investments, select investments, and research investment opportunities.
Provide clients with tax advice.
Assist clients with insurance decisions and select the best products available.
Help clients prepare for specific circumstances such as education expenses or retirement.
Monitor client accounts and make appropriate changes to improve account performance.
How much should you pay a Hertfordshire financial adviser?
There are many variables as to how much a financial adviser will charge you including the specific advice you are after and the billing structure. Some of the different ways that you can expect to be billed for the services of a financial adviser include:
An hourly rate, which in the UK will average at around £150 an hour although you can expect to be charged anywhere from between £75 to £350.
A set fee. This can be the case should you wish to engage the skills of a financial adviser for a specific job.
A monthly fee is often agreed for ongoing financial advice such as managing investment portfolios. This can be done in one of two ways, either via a percentage of the amount of money you are investing with them or alternatively as a flat fee.
There are many elements that will affect the fees that you are charged for financial advice, including the level of qualifications that the adviser is in possession of, the location of the adviser, the complexity of your situation, and how the service is delivered.
Many financial advisors will offer a free consultation in order to discuss their expertise and the fees. This is a great way to establish whether they are the right service for your needs.
What is the difference between independent financial advisors in Hertfordshire and a financial adviser in Hertfordshire?
A financial advisor in Hertfordshire sometimes referred to as a restricted adviser, can only give financial advice on a limited number of products such as insurance, mortgages and pensions, so while they may be in a position to provide good financial advice, they don’t always have access to the best products to suit your unique circumstances.
Conversely, independent financial advisers in Hertfordshire have access to the entire market and can therefore match the best product for your situation. An independent adviser in Hertfordshire has extensive knowledge of all monetary areas including investments, savings, insurance, pensions, tax and family estate management and should be authorised and regulated by the Financial Conduct Authority in order to ensure ethical practice and advice in line with your best interests.
How do I choose an independent financial adviser in Hertfordshire?
Commission driven products such as payment protection insurance have changed the way that independent advice is regulated in England. Tougher standards have been introduced banning commission driven sales and requiring advisors to hold higher levels of qualifications. However, there is still a variation in the quality of advice you can receive and you should be wary about simply employing the assistance of the first IFA you come across in Hertfordshire.
Firstly, you should ascertain what your needs are so you don’t get drawn into paying for a full service that you don’t actually need. The most common areas of financial planning are usually advice for paying off debts, building savings, mortgage advice, pension schemes and employer protection benefits.
If you are facing a big decision that requires a fair bit of cash, then you could certainly benefit from the advice of a professional. Decide if you need one-off advice or if you would benefit from an ongoing service.
It is also prudent to determine if you would like face to face advice, in which case you will need to employ the support of a company with offices local to you in Hertfordshire. Face to face advice can help build a trusting relationship with your adviser should you require ongoing support.
Whilst an independent adviser in Hertfordshire may initially incur a greater cost for their expertise, they can offer you any products from across the market rather than being limited to expensive or poor performing products that benefit the adviser financially. Bear this in mind when you are deciding whether to employ an IFA or a restricted adviser.
The last thing to take into consideration are the fees charged. You may need to meet with a few advisors in Hertfordshire to discuss their payment structure and find an arrangement that suits you and your individual needs.
How do I find a good IFA in Hertfordshire?
A good place to start is to seek a personal recommendation for an IFA in Hertfordshire. An IFA’s success with another client will speak volumes about their level of service.
Alternatively, you can find details of trusted IFA’s in Hertfordshire using our reviews, alternatively you can speak directly to Peter and the team here who will help you for free