“I’m Scared About My Financial Plan. Can An Adviser Benefit Me Right Now?”



Posted on: 10th September 2022

As we head towards even further hikes in the cost of living crisis and a lot of uncertainty around when things are going to level out – people are doing everything they can to cut costs, reduce costs and realign their future financial goals.


Spending on certain areas is deemed more a cost-cutting exercise and certain things people took for granted have now become luxury items on the back burner. This follows a time when people were accessing their pensions or pulling out of their investments during the panic-stricken pandemic era.

Not only are people more averse to spending, but they are increasingly petrified about their retirement planning Manchester, the state of their pensions and how they can pull through this drastic phase of financial hardship.

Although many may class it as an expense they want to avoid during this time, working with independent financial advisers Cheshire adds value to your financial goals by examining your plans against the current climate and difficulties and helping to realign them into reality over the long term.

Long-Term Planning

With everything being so unpredictable and challenging in the short term, it makes sense to have a long-term plan that can be constantly looked at and amended only when required with the help of an adviser.

There are many ways that independent financial advisers Manchester bring sound advice and guidance through their relationship with you, and it is not just in the domain of retirement and pensions.

Many problems need tackling around buying a house, protecting your family estate and finding ways to save more and more money that an adviser will be able to give you positive steps towards. They also help you when dealing with specific financial challenges, such as knowing where and when to invest and helping to minimise your tax liabilities.

Bigger Benefit

The biggest benefit that financial advisers provide is providing the knowledge to make smart decisions with your money in a hectic climate, allowing not just for successful saving towards your retirement goals, but also plans in motion for supporting your family’s future such as school and university fees, home buying and better stability for the future.

There are many reasons why you may feel that financial advice is an expendable option, but there are twice as many issues which you find yourself facing alone without one to receive educated advice on. If you make a financial mistake off of your own back, it can be costly and take decades to get back on track.

A financial adviser is a sound voice to present the better alternatives and options you have.

Contact the team at Haven IFA today to better protect your financial future.