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Independent Contractors: The Bottom Line

Paul Hyland

Some of the key points to take away are:

  • Investing is a complex area and getting things wrong can be costly, so it is sensible to take advice from a professional. An Independent Financial Adviser (IFA) will not be tied to specific providers and so you need not worry that they are trying to promote a product for their own self interest. Like other professionals, an IFA will often specialise in a particular area, so you should look for one who is used to dealing with people like you. You should also consider their level of qualification: a ‘Chartered’ firm will have highly qualified advisers. Please follow this link for more information: https://wfp.e-innovate.dev/questions-to-ask-a-financial-adviser-financial-planner-or-wealth-manager/
  • Before rushing to invest your company savings take a step back and look at the bigger picture: are you likely to need these funds in the short term? How much risk can you afford to take? How will decisions you make now, affect your financial position years down the line? A good adviser will consider all of these aspects and make recommendations based on your wider situation, present and future, not simply focus on the here and now.
  • Give some thought to how long you will be investing for. You may have no idea, in which case, be guided by your adviser who can give you an insight, having made projections of your future wealth needs. You should also consider the level of risk you wish to take.
  • What is right for one individual may be wrong for another. Financial Planning is highly individual and many aspects of your life need to be considered, it’s all relevant. You should be guided by a professional who can assess your situation and objectives and make unique recommendations.
  • Anything you put into place should be reviewed regularly. Situations change, your objectives change, and life has a habit of forcing us to re-think our plans. A financial plan needs to adapt with you. Just as you are a moving target, so is the economy, and any investment portfolio you have should be regularly monitored to ensure it remains suitable.

To speak with Paul Hyland of Wingate Financial planning please call on 0188 333 22 62

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