If you have a financial adviser or you think you have a financial adviser, when did you last here from them? If you can’t remember, chances are they are ignoring you and ignoring looking after your financial wellbeing.
- When was the last time you heard from the person who encouraged you to purchase some kind of financial product?
- How long has it been since they recommended an adjustment to your financial plan?
- When was the last time you were advised to rebalance your portfolio?
- When was the last time your adviser checked your attitude to risk?
- When was the last time, you were advised how your portfolio was performing?
I could go on, but I think you get the picture. If you are having regular contact with your adviser, you are one of the lucky few.
If the answer to any or all of the questions is no or I have no idea
If it has been more than a year or perhaps it has been years and years, the chances are your adviser has no longer got any interest in either you or your financial wellbeing.
This has become such a big problem for many people that they have no idea where to turn or what to do. In fact the whole subject of financial planning can often be left untouched for years, unless a new adviser comes along.
Many financial advisers have previously earned commissions from the sale of financial products, but commission came to an end on the 31st December 2012 and advisers now have to charge fees instead. This has caused significant problems for many advisers as they have struggled to move towards a business of having to charge fees for their services.
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Why should I do anything?
Nothing stays the same forever and things change in the world. Investments are just the same. What was once a great investment may no longer be a good investment. So why should you re-engage with an adviser? And I am assuming that as your current adviser is no longer interested in you, that you would rather deal with someone else.
- You want to know how your investments are performing
- You want to review what level of risk you taking with your portfolio
- You are concerned that your retirement plans are not on track
- You are unsure if the investments you have now are the right ones for you
- You want to make sure that if anything happens to you, the money goes to the right people
- You want to make sure that your family is adequately protected should you die
These are just a few of reasons that you may need to take another look at your financial plan. What you can probably be sure of though is that if your current adviser has disappeared, then you are probably in need of a review. A good modern world financial adviser can give you an up to date appraisal of your current situation and maybe able to give you advice on how to get the best from your money to help you towards to future goals and aspirations.
If your financial adviser has done a disappearing act, give me call today to arrange a discovery meeting, to see how we can help you.
Always consult a qualified financial adviser before making any tax or investment decisions. The above article is only for guidance and should not be taken as advice. If you would like to talk to me about getting your future investments on track please contact me.
Contact Martin Dodd on 01902 742221 or email him at [email protected] if you would like talk about money issues.
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