Helping you to navigate changing financial circumstances
There are some key 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. 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 which 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. Will you have enough income when you retire?
Are you unclear about whether your pension savings will be sufficient when you slow down or stop working? Perhaps you want to transfer 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 investment team combines expert understanding with many years of experience and is committed to putting customers' needs first.
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. When the unexpected happens
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.
Start the conversation
Whatever your goals are, our financial advisers are ready to help. Contact your local Agent or call 0808 278 3489 and we’ll put you in touch with your personal financial adviser.
NFU Mutual financial advisers advise on NFU Mutual products and selected products from specialist providers. We'll explain our services and charges.