Why It Helps To Speak With An Expert…

Help! We all need it now and again. Our loved ones are usually the first we turn to for advice, but should they be the first port of call for financial guidance? The experts at Raymond James find out more

We all have important financial decisions to make throughout our lives. Typically, as we get older, some of the major life choices we make become all the more critical. Whilst friends and family will do their best to help, they tend not to have the qualifications, knowledge and expertise that a professional financial adviser can offer.

You can get free guidance from places like Pension Wise, the Money and Pensions service or Citizens Advice. These sources are certainly useful but won’t get the personalised or in-depth recommendations you’d get from a financial adviser.

Here are a few reasons why you should consider speaking to an expert.

It’s not always easy to talk about money
Family members who’ve ‘been there, done that’ might speak from experience, but it’s likely times have changed since they needed to make the decisions you’re facing now.

Your family are also likely to be the ones you speak to at sensitive times, like after a divorce or the loss of a loved one. When major financial decisions need to be made, emotions are often running high, so it’s easy to take advice from family and friends just to get it off your plate.

Although your family will have your best interests at heart, a financial adviser is more emotionally removed. They can offer clear-minded advice that your family might not be able to. They’ll still treat your situation delicately, but they’ll be able to advise you objectively.

Your situation is unique
Our finances are a personal subject, and it’s likely information like your salary and spending habits are only known by a select few. Because of our reluctance to share too much with our friends and family, they’ll never get the full picture.

A financial adviser is impartial and disconnected. This lets you share more detail with confidence. With an understanding of the full picture, an adviser can build you the most suitable and efficient financial plan and investment strategy. They will consider your full financial circumstances now, where you want to be in the future, how to get there and stay on track. They also analyse things such as your previous investment experience, risk tolerance, tax allowances, life goals and timescales and knowledge.

Conversation costs nothing
We offer a free initial consultation. The journey starts with a no-obligation call back or meeting with one of our qualified team members. They will initially help you decide if advice is right for you and answer any questions you might have. There is no pressure, no commitment and no obligation. You can then make an informed decision as to whether we are the right company for you to work with.

Risk Warning: With investing, your capital is at risk

Raymond James Ribble Valley
8 Berry Lane, Longridge
Preston PR3 3JA
01772 7803007



Tedd Walmsley

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Tedd Walmsley managing director of Live Magazines shares his views on the latest topics in media.

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