Getting advice from a financial adviser | Zurich

Getting financial advice

When your shower needs to be fixed, you'll call a plumber. When your car breaks down, you'll call a mechanic. So why do a DIY job when it comes to the big things in life like protecting you and your family, planning your retirement and securing your financial future?

Benefits of financial advice

Working with a financial adviser who is authorised by the Financial Conduct Authority (FCA) can:

  • Give you impartial advice to make sure you get the best deal, whether it's a Zurich product or not.

  • Help you gather all the information you need.

  • Help you understand all the little details and things you need to consider.
  • Work with you throughout the lifetime of the plan to make sure it still meets your needs.

  • Give you a greater level of protection if things go wrong. If an FCA-authorised firm gives you advice that's wrong for your circumstances, there's a system to resolve complaints and, if necessary, put things right.

Preparing for your visit with a financial adviser

When you meet up with your financial adviser, you'll get more from your meeting if you prepare first.

Remember, you will most likely have to pay for any advice you receive so it makes sense to do a bit of homework first.

To help you prepare, follow these steps:

Think about...

Step 1 - Protecting your finances

  • What are your current financial commitments – your mortgage and any other significant loans?

  • Are there any big changes you’re planning in your life – starting or growing your family, moving house, changing job?

  • How much it costs to run the family home, and to support the standard of living you want your family to have.
  • What means – if any – you have readily available to cover these costs, if you weren’t able to earn an income because of illness or injury.

  • The total value of any assets you plan to pass on to those closest to you when you die.

You don’t need to work things out to the last penny – but having a good idea of where you stand today should save you and your adviser time in working out what you need to do to safeguard tomorrow.

Step 2 - Your financial goals

Your financial goals are important. They are, after all, the reason why you're saving.

You may have had very specific purposes in mind when you started your plan - perhaps funding a child's education, saving for a dream holiday, or putting away additional funds for retirement.

These goals may have changed and what you want to achieve with your money may be very different today.

Ask yourself:

  • Are the reasons why I'm saving today the same as they were when I started or last reviewed my plan?

  • Do I want to achieve my goals in the same time frame?

  • Am I aiming for the same amount of money back or income from my investment?

If your goals have changed, you may find you need to adjust the way your money is invested.

Step 3 - How you feel about taking risk

How much risk you are prepared and can afford to take with your money is likely to change over time. You need to be comfortable with the level of risk you take throughout the lifetime of your plan.

Ask yourself:

  • How important is it that I don't risk losing any of my money?

  • Am I able and willing to accept the risk of possibly losing money if it means I may get a better return?

Your financial adviser will discuss your attitude to risk with you and assess this against your chosen investments.

You may find you need to adjust the way your money is invested.

Step 4 - Gather your personal information

It's likely that your financial adviser will ask you some personal questions.

They will want to know about your present circumstances, your needs, your savings and your income, so they can accurately assess your needs and make recommendations.

When your adviser has all the facts, they will be able to give you all the financial guidance you need.

Get the details together of:

  • Your partner, your children and anyone else who is financially dependant on you.

  • Your income, your employment status, what rate of income tax you pay.

  • Your savings - what plans and savings accounts you have, how much money you have in each and details of these products. For example, whether you can access your money immediately and where your money is invested.

  • Any debt or borrowing you may have. Think about whether you have increased your mortgage, or taken on any loans since you last saw your financial adviser.

Find a financial adviser

We can't give you advice but we can help you find a financial adviser and give you some hints on how to prepare for your first visit.


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If you don't currently have a financial adviser, you can find one near you at:

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