{"id":6936,"date":"2025-08-14T10:36:24","date_gmt":"2025-08-14T09:36:24","guid":{"rendered":"https:\/\/new.contentdeployment.co.uk\/quilter\/?p=6936"},"modified":"2025-08-14T12:24:41","modified_gmt":"2025-08-14T11:24:41","slug":"the-value-of-financial-advice","status":"publish","type":"post","link":"https:\/\/new.contentdeployment.co.uk\/quilter\/2025\/08\/14\/the-value-of-financial-advice\/","title":{"rendered":"The value of financial advice"},"content":{"rendered":"
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Professional financial advice can lead to greater wealth accumulation and higher retirement income through improved planning <\/td>Regular reviews with a financial adviser can improve financial outcomes by considering changes in personal circumstances <\/td>Financial advice provides more than monetary benefits, offering peace of mind, goal achievement and long-term financial security <\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n
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Whether you\u2019re buying your first home, becoming a parent for the first time, investing for the future, or about to retire \u2013 a carefully thought through financial plan can make a positive difference, throughout your life \u2013 no matter what stage you\u2019re at.<\/strong> <\/p>\n<\/div>\n\n

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You might think professional financial advice is only necessary when it comes to complex investments or pension planning, but even a seemingly straightforward financial goal could involve numerous decisions and a range of different products and providers. <\/p>\n<\/div>\n\n

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The numbers bear out\u00a0\u00a0<\/h2>\n<\/div>\n\n
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Over the years, research has produced some interesting findings that highlight the benefit of advice when taking major financial decisions. The results show that those who take advice are likely to accumulate more wealth, supported by increased saving and investing in equity assets, while those in retirement are likely to have more income, particularly at older ages. When assessing financial value, one study1<\/sup> has highlighted that people who take specific financial advice were likely, on average to receive between 3% and 4.4% more per annum in net returns. This was through a combination of financial planning, preventing behavioural mistakes, rebalancing portfolios and tax advice. <\/p>\n<\/div>\n\n

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Evidence suggests that fostering an ongoing relationship with an adviser leads to better financial outcomes. Another study2<\/sup>  highlighted that receiving professional financial advice over a five-year period (between 2001 and 2006), resulted in a total boost to wealth (in pensions and financial assets) of nearly \u00a348,000 a decade later. <\/p>\n<\/div>\n\n

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Sadly, many people who buy complex investment, insurance and pension products don\u2019t take the hugely important step of asking a financial adviser for help before making their decision. <\/p>\n<\/div>\n\n

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True value\u00a0\u00a0<\/h2>\n<\/div>\n\n
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Although the financial outcomes are important, we appreciate that the value of financial advice comes in different guises and can include enhancement of return on investment, peace of mind, achieving goals and realising opportunities, all combined with future security, ultimately ensuring you have enough money.  <\/p>\n<\/div>\n\n

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Our aim is to work hard, so your savings have the best chance of growing for the future \u2013 without giving you sleepless nights in the process and help ensure you aren\u2019t taking too much, or too little risk with your money. <\/p>\n<\/div>\n\n

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A vital part of the advice process\u00a0\u00a0<\/h2>\n<\/div>\n\n
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Getting into the habit of meeting with us regularly to update your objectives and any changes in your personal circumstances which may affect your finances, such as buying a house, losing your job or receiving an inheritance, is essential.  <\/p>\n<\/div>\n\n

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We will devise a strategy and asset allocation which complements your investment goals.  <\/p>\n<\/div>\n\n

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Where necessary, we will take action to rebalance your portfolio.  <\/p>\n<\/div>\n\n

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Failure to rebalance after a good run in performance, could leave your portfolio with a risk level that is inconsistent with your strategy. <\/p>\n<\/div>\n\n

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Investors \u2013 remember:\u00a0\u00a0<\/h2>\n<\/div>\n\n
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  • What you must decide as an investor is how much risk is right for you <\/li>\n<\/div><\/ul>\n<\/div>\n\n
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    • While the process of building a portfolio includes strategies to reduce risk, it cannot be eliminated altogether <\/li>\n<\/div><\/ul>\n<\/div>\n\n
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      • Volatility is an inevitable part of stock market investing <\/li>\n<\/div><\/ul>\n<\/div>\n\n
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        • It\u2019s important to realise the likelihood of price fluctuations and accept that a degree of risk is all part of investing <\/li>\n<\/div><\/ul>\n<\/div>\n\n
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          • Regardless of what amount you have to invest, we can help recommend the most cost-effective way to achieve a mix of investments, suitable for you. <\/li>\n<\/div><\/ul>\n<\/div>\n\n
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            Although financial planning is complex, we can help by:\u00a0<\/h2>\n<\/div>\n\n
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            Understanding your needs Before we make a recommendation, we will build up a picture of your overall personal financial circumstances, agree with you the areas you should prioritise and assess your attitude to risk.  <\/p>\n<\/div>\n\n

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            Discussing potential solutions\u00a0\u00a0<\/h3>\n<\/div>\n\n
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            We can help to consider what products best suit you and your circumstances  <\/p>\n<\/div>\n\n

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            Considering the options\u00a0\u00a0<\/h3>\n<\/div>\n\n
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            We will look at all your options and make you aware of how the various products and investments differ.  <\/p>\n<\/div>\n\n

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            Making recommendations\u00a0\u00a0<\/h3>\n<\/div>\n\n
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            Recommendations will be tailored to your needs, making sure you get the right balance between affordability, and the suitability of products and investments you need. <\/p>\n<\/div>\n\n

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            Call us\u00a0\u00a0<\/h2>\n<\/div>\n\n
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            We can help you make decisions about your money to help you meet certain goals and aspirations over your lifetime. Planning is a continual process of anticipating and adapting to changes in your personal circumstances over the long term. Working with us means that you\u2019ll be benefiting from informed advice, reinforced by up-to-date market intelligence and years of experience.  <\/p>\n<\/div>\n\n

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            If you\u2019d like help with life\u2019s important financial milestones or feel that you could benefit from an assessment of your current circumstances and would like help devising a road map for your financial future then do get in touch, we\u2019re here to help. <\/p>\n<\/div>\n\n

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            1 <\/sub>Vanguard, 2022 <\/p>\n<\/div>\n\n

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            2<\/sub>ILC, Revisiting the Value of Financial Advice, 2019, Vanguard, 2022 <\/p>\n<\/div>\n\n

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            The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated.<\/strong> <\/p>\n<\/div>\n\n

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            Information within this document is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored advice and is for information purposes only. No part of this document may be reproduced in any manner without prior permission.<\/em><\/strong> <\/p>\n<\/div>\n\n

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            Approver Quilter Financial Services Ltd & Quilter Mortgage Planning Ltd 03\/03\/2025<\/strong> <\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

            Professional financial advice can lead to greater wealth accumulation and higher retirement income through improved planning  Regular reviews with a financial adviser can improve financial outcomes by considering changes in personal circumstances  Financial advice provides more than monetary benefits, offering peace of mind, goal achievement and long-term financial security  Whether you\u2019re buying your first home, […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"hd_content_source":[],"_links":{"self":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/6936"}],"collection":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/comments?post=6936"}],"version-history":[{"count":3,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/6936\/revisions"}],"predecessor-version":[{"id":6944,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/6936\/revisions\/6944"}],"wp:attachment":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media?parent=6936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/categories?post=6936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/tags?post=6936"},{"taxonomy":"hd_content_source","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/hd_content_source?post=6936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}