If you want to have a secure financial future, you should start to plan as soon as you embark on a career, as the earlier you begin to invest, the better. Everyone should have a private pension, as this will grow with a person’s career, and provide them with a sustainable income in their retirement.

Independent advice

For anything to do with investment, it pays to seek the advice of professionals, and if that advice happens to be independent, even better, as the advisor is not tied to any particular lending house. If you are looking for independent mortgage advice in London, there are online financial consultants who offer advice on all aspects of financial planning.

A mortgage is probably the biggest single investment a person will make in their lifetime, and the right advice could mean the difference between making a sound investment, and one that isn’t suitable in the long term. An independent broker will act on your behalf, without any pressure from associated colleagues, and will find the right deal for their client.

Private pensions

All of a person’s working life, they will be contributing into a state pension, but that may not be sufficient for a comfortable retirement, so a private pension plan is advisable. While there are a lot of private pension providers out there, most are tied to certain companies, which means the advice could be biased, and may not be in your best interests. By dealing with an independent broker, you can rest assured that the pension plan is one that is right for you.

Savings and investments

Putting something aside for a rainy day is definitely a good idea in this day and age, and a good financial advisor can offer the following,

• Venture capital trusts
• Collective investment trusts
• Offshore investments
• Investment bonds
• Unit trusts

Investments usually pay dividends that are directly associated with the risks, which means low risk investments are safer, but usually offer a smaller return, while high risk investments could see a significant return on your original investment, although your financial advisor will tell you which plans he or she thinks are right for you.

Wealth management

Once you have built up a decent portfolio, it needs to be managed and protected, and an independent financial advisor will look at your long term goals, and help you to plan accordingly. Wealth management concerns protecting assets, reducing tax exposure, and ensuring that investments are diversified and flexible. When you manage your assets properly, your family will be able to administer your estate easily with the help of a probate attorney.

However most properties that go through probate sell within the first year, so it’s an ideal target audience for realtors. Read on how to get probate leads to ensure you know about these homes so you can help the seller. Focusing on probate, pre-probate, divorce, and foreclosure real estate leads gives you a leg up compared to other real estate agents and people interested in real estate investing.

A range of financial services

An independent financial expert will be able to offer a wide range of services, including investments, tax garnishment solutions, and mortgages. Seeking professional advice before embarking on any investment is not only prudent, it is essential, as the world of investments is full of pitfalls, and unless you really know your stuff, professional help is a must. So, if you are in need of financial advice, call us or contact us Financial planning is important if you want a secure future, and with an independent advisor, you can be sure that he or she has your best interests at heart.