• Rachael Panteney

When should you use a Financial Adviser?

Updated: Oct 29, 2020

Firstly, you do not need to be mega-rich to benefit from using a financial adviser. This is a misconception.

Between pensions and your regular savings you may be accruing more than you think, and proper management is crucial.

These life events could mean you need to see an adviser. • You have inherited money • You have preserved pensions • You want to plan for your children’s future • You are going through a divorce • You want to know what your pensions income is • You’ve heard about this “amazing investment opportunity” The list goes on…

With all of the options out there it can be overwhelming to know where to start. Financial Advisers provide assistance in the following areas;

• Looking at your current circumstances and discussing with you what you want your financial future to look like.

• Help plan your spending and saving, initially to build that all important emergency fund, then by building your wealth to meet your goals.

• Help you plan for retirement – having enough to live on is key and you cannot rely on the state for any more than basic existence.

• Estate Planning - Ensuring you have a Will and mitigating Inheritance Tax

• Tax planning – Utilising the various tax breaks to maximise your investment or increase your income.

• Giving a financial health check – even if you do not have an immediate need, an adviser can look at your financial situation and ensure you are on the right path.

Ultimately an adviser will give you peace of mind.

Money is a complicated subject and there is lots to consider when wanting to protect, and make the most of it. Markets can be volatile and the media are prone to exaggerate the risks and rewards. Employing a good financial adviser can cut through the hype to steer you in the right direction.

Whether you need general, practical advice or a specialist with dedicated expertise, you could find that in the long term the money you invest in expert advice will be paid back many times over.

Rachael Panteney

Financial Adviser

Willow Tree Financial Services

01323 436680


Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

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