Aviva Financial Advice

Financial advice can help in different ways. A regulated adviser can cut through the financial jargon, look at your situation and your goals, and use their expertise to help you answer the big (and small) financial questions in your life.

The aim is to achieve better financial outcomes in the long term, by sharpening up your plans and helping you to avoid costly mistakes. This, in turn, could encourage you to think about your money day to day, leading to healthier financial habits. And having that plan in place may also provide reassurance and confidence about your future.

Generally, you're not required by law to get financial advice, but life might feel less stressful knowing an adviser has your back.

Financial advice can seem expensive. But you’re paying for expertise that can help focus your plans and make your money work harder towards achieving them. The expectation being that this leads to better long-term outcome for your finances – for example through improved returns and tax efficiency – than if you didn’t take advice.

There's no cost for your first call with us, or for your first meeting with an adviser. This will be to discuss your financial goals and help decide if advice is right for you. After that, your adviser will take you through all the charges up front before you decide to proceed. You don’t need to pay those charges up front, and they can come from your investments instead.

You may find it easier and more helpful to talk to an adviser in person. If you’re considering advice through Aviva, you’ll find advisers in locations right across the UK. If you find there aren’t any available in your area, our advisers are able to help on the phone or online.

See where our advisers are based.

The simple answer is as early as possible. Even small tweaks to your finances now could have a big impact in the years ahead. You might especially consider advice when your finances are complicated, for example if you have a wide range of investments, or a number of pensions in different places. Or if you're starting to plan your retirement or thinking about estate planning, now might be a good time to get financial advice.

There are also moments through your life that might make you rethink your plans, such as:

• a new job or career change
• getting married or divorced
• starting a family
• getting a lump sum, such as an inheritance
• buying or selling a house

It’s money you get on top of your regular contributions into your pension. It comes from the government, to get more people paying into a pension. The amount of tax relief you get depends on your income. Your adviser will take you through all the ins and outs, so you don’t miss out on anything you’re owed.

Tax benefits are dependent on individual circumstances and are subject to change.

Read more about tax relief.