The value of using an Adviser

Independent Financial Advisers expect to be asked questions on a very wide variety of topics. But one that comes up regularly is “What value do you add? There’s plenty of free information and advice available on the internet.”

It is a good question. At Continuum we have some very good answers.

What do you need an Adviser to do?

The world of money is becoming increasingly complex, with new financial products and new investment opportunities appearing – as well as new threats. You may be able to handle aspects of your financial planning – such as finding the best savings account – with some help from a comparison site. But that will barely be a start on the potential to make the most of your money.

You need expertise across all the financial sectors.

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At Continuum we provide truly independent advice. We are not tied to any providers, so we can search the entire market for the best answers for your financial needs. Find out what this could mean with a free initial consultation.


You need an independent mortgage expert who can look at the entire mortgage market to find the mortgage that really is the best deal for you, one that is most suited to your needs and circumstances.

At Continuum, our mortgage experts can not only search the entire mortgage market but can ensure that this fits in correctly with your overall financial position.


The pensions market has become a great deal more complicated since pension freedoms gave people nearing retirement age a choice in how they use their pension pots. There are options such as a drawdown as well as the old annuity system, and even if you do choose an annuity, you will now have a choice over the company that provides it.

Expert advice can help you make the most of your investments into your pension pot – with the aim of providing the most rewarding way to use that pot to potentially maximise your income and ensure you enjoy the retirement you have planned for.


Few people would argue that protection for loved ones in the form of life insurance is vital. But there are many other threats to your financial wellbeing. Debilitating illness, accident and unemployment can all wreck financial plans.

Fortunately, at Continuum we know what kinds of insurance products are available to potentially offer protection against such unfortunate circumstances, and we can advise on solutions where it may be possible to cover multiple conditions offering a potential  safety net, that could provide financial security for your dependents, whatever the future holds.


Most people simply don’t have the time to follow the markets or to develop the expertise required to make the most of the opportunities it presents.

Our experts can help create an investment strategy based around your personal circumstances, attitude to risk and your timescales and objectives. It may be able to help reduce some of the worry about your investment’s performance, and give you the peace of mind that your money is  invested in the most suitable products to meeting your current needs and financial circumstances.

Of course, there is no single solution for effective investing, balancing risk and opportunity and diversifying. You need an expert financial adviser who can work with you to develop the investment strategy that is right for you.

Estate planning?

Very few of us like to think about our own demise but having a financial plan that includes estate planning is so important. Estate planning is about protecting your loved ones, your spouse and the next generation, and ensuring that they benefit from the wealth you accumulate when you are alive, and not the taxman.

There are many ways to mitigate inheritance tax, but it is a complex area where mistakes can be very costly and getting the support of an expert can mean your beneficiaries could be potentially better off.

Adding value to your wealth

A call to a Continuum Adviser could be a simple way to getting all the answers you need – answers that you cannot find for yourself. Despite an increasingly open world of investments and insurance, many people don’t know of all the products available – or have access to them.

At Continuum, we can not only provide answers to your financial questions, we can help arrange the most suitable products to meet your current needs and circumstances, and hopefully put these to work for you.

Call us

To arrange a personal appointment with a Continuum expert to discuss your financial arrangements via video, call us today.

The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment, retirement or protection strategy, you should seek independent financial advice before embarking on any course of action.

The value of investments can fall as well as rise and 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 Taxation and trust advice or Will writing.

Accessing pension benefits early is not suitable for everyone and may impact on the level of retirement income and your entitlement to certain means tested benefits. You should seek advice to understand your options at retirement.


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