Whether you need a financial adviser is a difficult question. Paradoxically financial advisers are best placed to tell you if you really need one, but there’s the obvious conflict of interest that they’d rather not pass up on any new business. If you really think you need to talk to one, I’d say a referral from someone who already has an adviser and is satisfied would be the best place to go. But failing that Unbiased, as mentioned by Jake, is best.Hmmmmm..........I have two conundrums and would be grateful for any advice.
1. Is it worth getting a Financial Advisor and how can I be sure the person is completely independent?
2. I think I should be turning to shares as my ISA returns have dried up and I've started pulling them out. But, I only want to invest in ethical funds.
I've done some research but to be honest I'm finding it a minefield and don't want to spend money on an IFA and fees to share platforms that may take me a while to get back. So at the moment a fair proportion of my savings are sat in my current account whilst I prevaricate on what to do.
If it’s just your ISAs you probably don’t need one. A well intentioned adviser would tell you that, and probably give you a push in the right direction for sorting things yourself.