What do financial advisers do? How they secure your financial future in the UK
Got money but not sure what to do with it? You’re not alone.
Many women in the UK reach a point where they’ve accumulated wealth. Whether through a career, divorce settlement, business sale, or inheritance, and suddenly find themselves wondering, “What’s the best way to manage my money?”
I refer to myself as a financial adviser and a Chartered Financial Planner. This is because most people do not know what a financial planner is, but have heard of a financial adviser. But there are key differences. Read more about it in my earlier blog here.
A financial adviser is there to guide you through financial decisions so that your wealth grows and supports your long-term goals. Think of them as a money mentor, helping you invest wisely, save efficiently, and avoid common mistakes that could cost you thousands.
So, what exactly do financial advisers do? And how can they help women secure their financial future? Let’s take a look.
What does a financial adviser do? The core services explained
A financial adviser offers expert guidance in different areas of money management. Some specialise in investments and pensions, while others provide full financial planning services, including budgeting, estate planning, and tax efficiency.
Here’s how a good financial adviser can help you.
1. Personalised financial planning: your roadmap to success
Hannah – a successful business owner unsure where to put her profits
Hannah, 42, had built a thriving online retail business and was finally earning a six-figure income. But despite her success, she felt completely lost when it came to managing her money.
She had cash piling up in her business account but wasn’t sure how to pay herself efficiently, invest for the future, or reduce tax liabilities. She worried about making the wrong decisions and losing what she had worked so hard for.
After working with a financial adviser, Hannah:
✔️ Created a personal wealth-building strategy separate from her business income.
✔️ Learned how to invest tax-efficiently using ISAs, pensions, and other smart financial tools.
✔️ Set up a structured plan for future business investments and personal financial security.
How a financial adviser helps women like Hannah:
They ensure you’re not just making money but actually keeping and growing it.
They help business owners create a personal financial plan beyond the business.
2. Investment advice: making your money work for you
Priya – newly divorced with a £750,000 settlement
After 28 years of marriage, Priya, 55, found herself navigating a divorce and a significant financial settlement. Suddenly, she had £250,000 sitting in her bank account, and a £500,000 pension sharing order but no clue what to do with it.
She didn’t want to waste it but also felt nervous about investing, she had always relied on her ex-husband to handle finances.
With help and financial advice, Priya:
✔️ Learned how to invest wisely while keeping a comfortable safety net.
✔️ Balanced her short-term needs (housing, living expenses) with long-term financial growth.
✔️ Set up a retirement plan so she wouldn’t have to worry about money later in life.
How a financial adviser helps women like Priya:
They make investing feel less intimidating by explaining everything clearly.
They create a step-by-step financial strategy that protects and grows your wealth.
3. Retirement planning: securing your golden years
Anna – selling her business and preparing for retirement
Anna, 55, had run a successful marketing agency for 25 years. She recently sold the business for £1.2 million and was ready to step back and enjoy life. But after years of reinvesting everything back into her company, she wasn’t sure how to manage personal wealth.
Would she need to live off her savings? How could she reduce tax on the sale? Would her money last through retirement?
Financial advice helped Anna to:
✔️ Structure her assets to minimise tax liabilities.
✔️ Invest part of her money for long-term growth.
✔️ Create a sustainable retirement income plan.
How a financial adviser helps women like Anna:
They ensure that selling a business isn’t the end of financial security. It’s the beginning.
They create a clear financial roadmap so your wealth lasts through retirement.
4. Estate planning: protecting your wealth for future generations
Rachel – a self-made woman planning her legacy
Rachel, 60, built a property portfolio worth £3 million. She wanted to pass wealth to her children but was worried about inheritance tax and legal complexities.
Financial advice helped her:
✔️ Create a tax-efficient estate plan.
✔️ Set up trusts for her children to protect her wealth.
✔️ Reduce potential inheritance tax burdens.
How a financial adviser helps women like Rachel:
They protect your assets and ensure your legacy lives on.
They simplify complex legal and tax issues around wealth transfer.
Why working with a financial adviser is worth it
Still unsure if hiring a financial adviser is right for you? Here’s what you gain:
✔️ More confidence in your financial decisions.
✔️ Less stress over managing money.
✔️ Higher returns on investments & better tax planning.
✔️ A secure, long-term financial plan tailored to your goals.
How to choose the right financial adviser in the UK
Questions to ask before hiring an adviser:
✔️ What are your qualifications and experience?
✔️ How do you charge for your services? And what is included in this?
✔️ How will you tailor advice to my specific needs?
Final thoughts: take control of your financial future today
You’ve worked hard for your money. Now it’s time to make your money work for you.
Whether you’re earning well, going through a divorce, or selling a business, a financial adviser helps you build, protect, and grow your wealth.
📞 Book a no-obligation consultation today and start building a financial future you can feel confident about.
Related blogs
What’s the difference between a financial adviser and a financial planner? – Find out which professional is right for you.
Smart financial planning: Resolutions for a prosperous 2025 – The financial reset you’ve been waiting for.
📌 More blogs coming soon! Stay tuned.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
