close
Menu
close

Expert Financial Advice UK Wide

Trusted advice on pensions & retirement, mortgages, inheritance tax planning, and more.

Rated Excellent.. Don't just take our word for it!

Local Savings & Investment Advice

Our Investment Advice Process

Your financial adviser will work closely with you to understand your personal situation and identify your purpose. 
They will also help you by:

Assessing what level of risk you are comfortable in taking

They will evaluate your comfort level with investment risk and your capacity for loss:
What is your investment experience and knowledge?
How comfortable are you with the risks of investing?
What level of risk do you need to take?

Determining your financial objectives

They will establish your hopes, aspirations, and concerns to tailor a plan that meets your needs:
What would you like to achieve?
When would you like to achieve it by?
What would you like to avoid along the way?

Evaluating your financial situation

They will consider how to invest to achieve your goals:
Are your assets held in the most appropriate name?
Do each of your assets have the right ownership, such as named beneficiaries?
Are each of your assets held in the right tax wrapper, such as ISAs and pensions?

Choosing the right investment solution

They will select the most suitable financial product for your needs:
Do your investments have the right level of return expectations?
Is the level of investment risk appropriate and in line with what you have agreed?
Can your investments be released if you need them to be?

Providing ongoing support

They will ensure that your investments continue to align with your goals in the future:
Consider any changes to your purpose, goals, or personal circumstances.
Check if any personal changes in income or capital values impact your current savings or tax situation.
Explain how any changes impact you in terms of welfare or income, capital, or inheritance tax changes

The Real Value of Financial Advice

" Most unadvised customers would experience better financial outcomes if they followed professional financial advice."
Source: Adviser Delta, a Quilter research paper on the importance of advice, June 2019.

Please note, this research was originally conducted in 2016. The figures quoted are likely to have changed over time and should not be used as advice. It is intended for illustrative purposes only.

Consider this example:

Average retirement income without financial advice £17,168.
Average retirement income with financial advice £24,175. This is 40% higher (£7,007) than without financial advice.
Over a 21-year retirement, this means having an extra £147,147.

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

Local Investment Advisers

Why Should You Invest?

People invest for many reasons which help establish their financial goals. Some of the most common reasons you might invest include:
Build your wealth: Investing intelligently over time can create wealth, financial freedom, and security through various strategies, fostering prosperity and growth.
Live happily in retirement: Early strategic investing for retirement harnesses time and compounding - earning interest - potentially securing a worry-free, desired lifestyle in your golden years.
Generate an income: Investment generated income provides alternative earning, potentially safeguarding you against economic downturns and unforeseen life events.
Work towards a better future: Investing goes beyond profit. Responsible investment in sustainability, social justice, and the environment can leave a positive legacy for future generations.
Build generational wealth: Long-term investing can build generational wealth and a legacy to leave, allowing you to empower a prosperous future for your loved ones.
Your financial adviser will support you and give tailored advice to suit your personal circumstances.
BOOK A CALL

Why choose Beals Financial Advisers?

Working with our financial advisers offers trusted expertise, personalised guidance, and tailored strategies to achieve your financial goals:
We take a comprehensive view of your financial situation, considering factors such as insurance, mortgages, retirement, savings and investments, estate planning, and cash flow management.
We can provide strategies to minimise tax liabilities, ensuring you keep more of your money.
We can help you develop and manage an investment portfolio that aligns with your financial objectives and risk profile.
We have access to a wide range of financial products and tools that may not be available to individual investors.
SPEAK TO AN ADVISER

Recent Financial News & Blogs

Whole of Life Policy vs Investing: Which Is Better for Inheritance Tax Planning? (Single Person Example)

Nil Rate Bands Frozen Until 2031 Inheritance Tax (IHT) Autumn Budget - Why Now Is the Time to Act

Pensions Over £500,000 (500k): What the 2027 Inheritance Tax Changes on Pensions Mean for You

Pensions Over £1 Million (£1M+): What the 2027 Inheritance Tax Changes on Pensions Mean for You

Pension Savings Inheritance Tax Changes 2025

Double Taxation of Pensions: Could You Lose 64% of Your Pension After April 2027?

Frequently Asked Questions

What is the difference between saving and investing?

Saving typically involves setting aside money in a secure account for short-term goals or emergencies, earning minimal interest. Investing, on the other hand, involves putting money into assets like stocks, bonds, or funds with the aim of achieving higher returns over the long term, though it carries more risk.

How do I decide between a savings account and an investment?

If you need access to your money in the short term or want to minimise risk, a savings account is often more suitable. For long-term goals, investing could offer higher potential returns, though it comes with greater risk. The right choice depends on your time horizon, risk tolerance, and financial goals.

What types of investments are available to me?

Common investment types include stocks, bonds, mutual funds, property, and alternative investments like commodities or private equity. Each carries different levels of risk and potential returns.

How can I reduce the risk when investing?

Diversification is a key strategy for managing risk. By spreading your investments across different asset classes, sectors, and regions, you reduce the impact of poor performance from any single investment. Regular reviews and balancing your portfolio can also help manage risk.

What is an ISA, and how can it benefit me?

An Individual Savings Account (ISA) allows you to save or invest in a tax efficient account', up to the annual limit set by the government. There are different types of ISAs, including Cash ISAs, Stocks and Shares ISAs, and Lifetime ISAs, each offering unique benefits.

How much should I save or invest each month?

The amount depends on your income, expenses, and financial goals. A general rule is to save at least 20% of your income if possible, allocating some to an emergency fund and the rest toward long-term investments/savings.

What is compound interest, and how does it work?

Compound interest is the interest earned on both your initial principal and the accumulated interest from previous periods. This effect can significantly boost the value of your investments over time.

Are investments guaranteed to grow?

No, investments are not guaranteed to grow, and their value can fluctuate. While some investments historically provide long-term growth, there is always a risk of loss. It's important to invest according to your risk tolerance and financial goals.

Why should I review my savings and investments regularly?

Regular reviews help ensure your savings and investments remain aligned with your financial goals, risk tolerance, and any changes in your circumstances or market conditions. It also allows for adjustments with the aim of optimising performance and reduce unnecessary fees.

Do I need a financial adviser for my savings and investments?

While it’s possible to manage your own savings and investments, a financial adviser can provide expert guidance tailored to your specific goals and risk tolerance. Advisers help with creating a diversified investment strategy, tax planning, and navigating complex financial products, which can ultimately save you time, reduce risk, and potentially improve returns.

Book Your Free Consultation with a Local Financial Adviser Near You

We offer complimentary consultations with a local financial adviser, including a free review of your pensions and investments, along with our expert recommendations. It's free, no-obligation, no pressure. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.
Savings & Investment Page

Tax treatment varies according to individual circumstances and is subject to change.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
staruserslaptopmagnifiermenuchevron-down linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram