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NFU Mutual Agent Kayleigh Mackness

7 signs you should speak to a financial adviser

Financial advice from a trusted expert can help you make the right decisions whenever circumstances or priorities change

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There are moments in life when you need to make decisions which can have a huge impact on your finances.

While some of us are better than others when it comes to managing our money, financial advice from a trusted expert can help you make the right decisions whenever circumstances or priorities change.

Here are seven moments when talking to an NFU Mutual Financial Adviser could help you make the best decisions for you and your family.

1. You're fed up with low interest rates and want your money to work harder

With eight years of low interest rates, it can feel frustrating having savings accounts that are not earning as much as you’d like. There are a range of other options for investing your money whatever your attitude to risk. Our financial advisers can help you assess which is right for you.

2. You’re about to receive a windfall

Managing your day-to-day finances is usually straightforward for most of us, but how can you make the most of a large windfall, whether it’s a bonus or inherited? It is always worth formulating a plan which addresses any tax obligations while ensuring you enjoy as many of the benefits of that windfall as possible.

3. You're not sure you'll have enough income in retirement

Are you unclear about whether your pension savings will be sufficient when you slow down or stop working? Perhaps you want to review your existing pension and add to it with further investments - or even start a new one. It’s never too late to discuss your retirement plans.

4. You’ve got a regular monthly income to invest

Not sure how to go about starting an investment or what to research? Our expert financial advisers can help find the right option for you.

5. You want to leave a legacy to your family

If you’re thinking about the next generation, we can help you identify ways to ensure your family benefits from any wealth you want to pass on in the most tax-efficient way.

6. You’re considering starting or expanding your business

As a savvy entrepreneur it’s exciting to start or grow your own business, but getting the right information and advice before you make the leap makes sense. We can advise you on business protection insurance and pension planning.

7. Others rely on you

No matter how well we plan, life has a habit of catching us unaware. How would your family cope if you were seriously ill or if you died? Would their future be secure if you were unable to work because of accident or illness?

Following a divorce, it can be difficult to separate a lifetime of combined finances - our financial advisers can discuss your protection and pension needs. 

When you contact us we'll explain the advice services we offer and the charges. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

The value of investments and income from them can fall and you may get back less than invested.

NFU Mutual Agent Matt Cliff