A financial advisor is a professional who helps individuals and businesses plan and manage their finances. They provide guidance across areas such as:

• Insurance: Assessing coverage needs and recommending policies to protect against risks.

• Trusts: Advising on estate planning, creating and managing trusts to protect and distribute assets.

• Pensions: Helping plan for retirement through pension schemes and retirement savings strategies.

• Investments: Recommending investment options to grow wealth while balancing risk and return.

• Savings: Developing strategies to build and maintain cash reserves for short- and long-term goals.