Do I need an Adviser?

Unless you are an expert in finance it is always worthwhile consulting a professional financial adviser. A qualified adviser will help you structure your investment portfolio to suit your specific needs.

Also, while certain products are available for direct purchase you will find that many require you to use an adviser. By using an adviser you will ensure that your investment portfolio is comprised of the best mix of products to suit your circumstances.

A thorough financial analysis is an assessment of current position including:

• Your Will & estate
• Marital status and contract
• Current earnings and future earnings potential
• Family circumstance & dependants
• Contractual obligations
• Goals
• Plans
• Own preferences
• In-depth knowledge of the various options that are available including their financial, tax and legal consequences
• Regular reassessment of your current plan.