We believe that a good financial plan should form the backbone of your life, giving you a structure that encompasses your lifestyle, family, work, and dreams for the future.

Financial advice is the outcome of financial planning. So, when it comes to the cost, you’re not just paying an expert for their advice. You’re paying for them to curate and manage a bespoke financial plan which enables you to live a more fulfilling and enjoyable life.

When asked about financial planning, many people might instantly think of investments and pensions. But a sound financial plan weaves together risk management, investment planning and tax efficiency, property purchases and financial insurance, giving you a robust and comprehensive strategy that will provide support for and adapt to life’s ups and downs.

A good financial plan should form the backbone of your life

The landscape of everyone's life is unique

There are many stages in life requiring us to make decisions that could impact our chances of achieving financial independence. A good financial planner will get to know you, help you articulate what you want to do with your money, and put a plan in place that gets you there as effortlessly as possible.

A financial planner can advise you on:

  • buying your first home or remortgaging
  • reducing your tax bill
  • choosing which investments are right for you
  • the best way to set up your kids for life
  • the most appropriate life insurance and critical illness cover
  • deciding what to do with a lump sum (such as an inheritance or redundancy payout)
  • how to handle the finances in a divorce
  • planning for your (early) retirement
  • taking your pension
  • planning your legacy so that your money goes to the right people at the right time

Addressing any one of these areas in isolation is like going on a journey without a map. You may arrive at your destination, but it could take longer, expose you to more risk than you’re comfortable with, and cost you more to get there.

Financial planning is worth the money

If you’re wondering whether financial advice is worth it, ask yourself these questions:

  • Do I have the skills and experience to manage my finances?
  • Do I have the time and interest to research financial products?
  • Do I have the time and interest to stay on top of tax regulation?
  • Can I be sure I have the right financial plan in place, now and in the future?

If not, maybe it’s worth contacting us to see if we can help you.

Making a financial decision in isolation is like going on a journey without a map

Can I try before I buy?

Amber River financial planners will always offer to meet you before the planning process begins. This is a meeting, held at no expense to you, to allow you to both discuss your current financial position and your goals for the future. It also gives you the chance to ask any questions, decide if you could benefit from financial planning, and, if so, make sure the person you’re speaking to is the right fit for you.

Get in touch

To speak to one of our team, arrange an appointment or find out more, call 0800 915 0000, or alternatively use our contact form here.