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Already spending too much this Christmas? 3 reasons why you might need an IFA.

Independent Financial Advisers (IFA’s) can be a great way to help you make sense of your finances. An IFA may not be top of your Christmas list but it may be worth considering help before, and after, the festive season.

Here are a few reasons you might want to consider an IFA this Christmas.

1. Because you overspent last year and you’ll probably do the same again this year.

A study published last year revealed a third of Britons overspend on Christmas (Independent, 2016). The study also found one in ten relies on credit cards to get them through the festive period. An IFA can help you plan out your incomings and outgoings, so you know exactly how much you can spend at this time of year. Knowledge and guidance from a trusted IFA might make that Boxing Day hangover just a little easier to deal with.

2. Planning over a year can take the stress away from Christmas.

Cash flow management is one of the services an IFA can offer and can assist you to plan so you will have money available to meet your expenses as they fall due. Planning over a full year helps keep your personal balance sheet in the black over the festivities. Having an investment strategy to provide cash at the right time can help the Christmas budget so why not seek professional advice? Are there investment opportunities available that an IFA can suit to your specific needs?

3. IFA’s aren’t just for Christmas.

IFAs aren’t just for getting your Christmas list in order and making sure you get the turkey on the table. They can help with your overall money management, give you advice on your retirement and manage your pension. Picking the right pension for you can be difficult, especially transferring pensions.

IFAs help in so many ways, making your life easier and guiding your financial decisions to aid your financial growth. For more information on how they may be able to help you, visit www.ethosfs.co.uk/personal-solutions and get in touch.

 

Publish date: 12th December 2017

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