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The SunWhere's the best place to buy euros to get the best exchange rate?The SunThey also lock in the rate – so you know exactly how much money you have to spend. But often it's credit cards which will save you the most money, provided it's a card with low or no fees for spending abroad. Examples of good overseas cards include the ...
Hargreaves LansdownRetirement ready: how to make your pensions easier to manageHargreaves LansdownNo news or research item is a personal recommendation to deal. All investments can fall as well as rise in value so ... It's important to be able to manage your retirement savings with ease and confidence in order to make the most of your hard-earned ...
Citywire.co.ukAdviser Workshop: How to give pension advice to the self-employedCitywire.co.ukOur job as financial planners is to tell them they must put money in, whether they can afford to or not. ... Then once the client has around £40,000 or £50,000 we might start to look at a personal pension that has a platform wrapper with a bit more choice.
Lloyds mortgage arrears scandal are you owed money?BT.comHundreds of thousands of borrowers will receive reinbursements after Lloyd's Banking Group admitted to failings when handling mortgage arrears – even if they weren't directly impacted by the issue. The UK's biggest high street lender unveiled the cost ...and more »
'Walter Mitty fantasist' from Epping duped investors out of £1.3mEpping Forest GuardianSay pleaded not guilty to one count of fraud between April 2010 and January 2016, by abusing his position as a financial adviser by acting against the financial interests of Noisnep Self Invested Personal Pensions (SIIPP) holders, in that he used money ...
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Getting financial advice

It’s time to review your finances and make sure your money is working as hard for you as it possibly can. Somewhere out there are the right financial products for you but unless you have the mind of a forensic detective and understand the complexities of everything from insurance and pensions to hedge funds and derivatives get sound financial advice.

If you don’t already have someone in mind as an adviser one of the best ways to find someone good is to ask family, friends or colleagues for recommendations. You want someone who’s independent so that he or she can give you impartial advice about the whole range of products on offer. If you choose an adviser who isn’t independent they can only advise you on the products they work with. Some advisers specialise; if you want advice on pensions you might want and adviser who is a pensions specialist. Ask about the qualifications of anyone you are thinking of seeing.

The other question you have to ask is about how you pay for the service. You may choose an adviser to whom you pay fees upfront. Fees vary hugely so find out before you book your appointment. Try haggling to get the fees reduced if possible and ask for the first session to be free so that you get the chance to decide whether or not you have a rapport. The other option is an adviser who gets his or her fees through commission which you ultimately pay for because it’s added to the cost of the product you buy. Or you may pay for advice through a combination of the two.

Whoever you choose it’s helpful if you can build a lasting and trusting relationship which will make you both money for years to come. Remember that a financial plan made now needs to be reviewed frequently. What’s right for you in the current climate may not be right once the economy picks up again or if your circumstances change. The degree of risk you’re prepared to take with your savings and investments may be different when you’re single from when you’ve got a partner and children. Getting the right adviser is just the start of the process. 

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