GUIDE TO

WHAT YOU NEED TO KNOW.

QUESTIONS YOU SHOULD ASK.

WHAT YOU NEED TO WATCH OUT FOR.

FINANCIAL ADVICESMALLACORNMONEY.COM

1 Can you manage your money without financial advice?

YES!The internet has made it very easyto manage your own affairswithout paying for a professional.

THIS HAS SOME ADVANTAGES . . .

SAVE COSTS

High quality and personal financialadvice is never going to be cheap.

YOUR NEEDSNo other person will truly know you.

YOUR STRATEGY

TAKE CONTROL

Learning to manage your own financeswill provide benefit to your whole life.

There are many ways to invest orspeculate. Choose your own path.

2 why do you need financial advice?

TAX Taxes constantly change and it's importantto keep up to maximise tax efficiency.

LEGISLATIONPoliticians change the rules far too often and it canbecome complex. It is also mind numbingly dull!

expertise You can learn how to invest successfully,

but a professional will have these skills.

knowledgeA good adviser will know the answers whenfrankly you won't even know the questions.

time You may have the ability to manage yourown money, but lack the time or desire.

3 how much does it cost?

You must know exactly howmuch you will pay, both initiallyand annually, to help you assessthe value provided in return for

these fees.

Never Cheap,

but can be

good value!

You should know the costs in POUNDS and review thiseach and EVERY year.

% = £

OUT OF YOUR

POCKET!

4 what should you look for in a financial adviser?

Find an advisor who treats theirwork as a vocation.

Find an adviser who treats yourinterests before his or her own.

You need a financial adviser who:

Acts in a fiduciary capacity on your behalf.

Discusses the different options available.

Educates you about any areas you don’t understand.

Is ultimately on your side.

A good advisershould bewilling to tellyou that yourbaby is ugly!

CHALLENGINGDISCUSSIONS

5 what should you do before contacting an adviser?

GATHER YOURFINANCIAL RECORDS

Get an up to date and accurateoverview of where you are

today. Step 1

Step 2 CONSIDER WHAT YOUWISH TO ACHIEVE.

Think about what you trulywant in the future and then

consider how your money willhelp get you there.

MANY PEOPLE STRUGGLE TO THINK ABOUT DESIGNINGTHEIR IDEAL LIFE AND THEN CREATING A PLAN TO

MAKE THEIR DREAMS BECOME REALITY.

IF THIS SOUNDS LIKE YOU, THEN YOU NEED MYPERSONAL AND COMPREHENSIVE FINANCIAL

PLANNING SERVICES.

PLEASE VISITSMALLACORNMONEY.COM/VIRTUAL-MONEY-

COACH/

KEEP GOING

6 what questions should you ask?

SKILL WHAT QUALIFICATIONS DO YOU HAVEAND WHAT IS YOUR FCA NUMBER?

STATUSWHAT IS YOUR STATUS?

INDEPENDENT OR RESTRICTED?

CLIENTS HOW MANY CLIENTS DO YOUPERSONALLY HAVE?

CHARGESHOW MUCH DO YOU CHARGE?

PROCESS HOW WOULD YOU DESCRIBE YOURINVESTMENT PROCESS?

You are paying a premium price,for a personal service,

from a highly knowledgeable professional.please do not accept anything less.

7 WHERE CAN YOU FIND THE RIGHT FINANCIAL ADVISER?

ASK ASK FRIENDS AND FAMILY FORRECOMMENDATIONS

SHOPDON'T COMMIT TO THE FIRST FINANCIAL ADVISERYOU SEE. INTERVIEW A FEW ADVISERS.

INTRODUCTION SERVICE

FINANCIALADVISER

THE RIGHT

I CAN PERSONALLY PUT YOUIN TOUCH WITH THE RIGHTTYPE OF FINANCIAL ADVISERFOR YOUR CIRCUMSTANCES.

YOU CAN CONTACT MEPERSONALLY AT

MARK@SMALLACORNMONEY.COM

GET THE FULL GUIDE FREE

VISITsmallacornmoney.com/

financial-advice/

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