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Daily MailIs YOUR husband hiding money from you? Tracey Cox reveals how to avoid being a victim of 'financial infidelity ...Daily MailOr has a five-figure credit card debt problem? Often, it's bills they've racked up before the two of you were an item. They didn't mention it at the start because who wants to say, 'Hey, before you really fall for me, you probably should know I owe ...
Wealth BriefingUK Infrastructure Shakes Off Carillion Blues - Fund ManagerWealth BriefingThe UK infrastructure sector endured a horrible start to the year with the collapse of Carillion, but evidence points to a strong continued case for this asset class, a fund manager says. ... (It appeals for pension and insurance firms for similar ...
Belfast LiveNorthern Ireland plumbers plunged into bankruptcy to plug pension gapBelfast LiveHe has been a member of SNIPEF, the Scottish and Northern Ireland Plumbing Employers Federation, for more than 30 years and in that time contributed to the pensions and national insurance of 15 employees and was fully tax compliant. ... The letter ...
Personal finance expectations should be made clear at start of working lifeThe Irish NewsI would like to respond to the article on WASPI and women's pension age rise by Michael Kennedy (November 12)). Mr Kennedy says investment funds shouldn't be judged on past performance as this would be 'sleepwalking into retirement'. Women have ...
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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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