Many people come to us with similar questions.
Whether you’re wondering if now is the right time to seek advice, what working together looks like, or how we can help, you’ll find answers to some of the most common questions below.
If you can’t find what you’re looking for, please get in touch. We’d be delighted to hear from you.
When should I speak to a financial planner?
Many people seek financial advice before a major financial decision, such as approaching retirement, receiving an inheritance, changing jobs or building up savings. Financial planning can also provide reassurance that long-term goals remain on track. It is never too early to begin the conversation.
What happens at a first meeting with a financial planner?
The first meeting is an opportunity to discuss personal circumstances, financial goals and any questions or concerns.
We will explain how the planning process works, where advice may add value and what working together might look like. There is no obligation to proceed.
Do I need to have all my finances organised before seeking financial advice?
No.
Many people seek advice because their finances are spread across different pensions, savings and investments. Part of the financial planning process is helping clients organise and understand their overall financial position.
Can a financial adviser help with NHS, Teachers’, Police, Firefighters’, LGPS and Civil Service pensions?
Verano combines independent financial planning with extensive pensions expertise.
Before founding Verano, Greg spent more than 12 years advising some of the UK’s largest pension schemes, with the last 5 years focused on those serving NHS staff, teachers, police officers, firefighters, local government employees and civil servants.
Today, that experience is combined with practical financial planning to help individuals and families make informed financial decisions.
Is financial planning only for wealthy people?
No.
Financial planning is often most valuable when important decisions need to be made, regardless of wealth.
The focus is not on how much money someone has, but whether professional advice can help them make better decisions and achieve their goals.
Will a financial planner only recommend investment products?
No.
Good financial planning starts with understanding a client’s goals, circumstances and priorities.
Sometimes investments form part of the solution. In many cases, the greatest value comes from retirement planning, pension decisions, tax planning, family protection and creating a clear plan for the future.
What does it mean to be an ‘independent’ financial adviser?
Being independent means Verano is not restricted to a particular provider or product range.
This allows recommendations to be based on what is most suitable for each client’s circumstances and objectives.
How much does financial advice cost?
The cost depends on the work involved and the level of support required.
Any fees are explained clearly before chargeable work begins, ensuring clients understand both the costs and the services they will receive.
How do I know if I can trust a financial adviser?
Trust is built through transparency, professionalism and consistently acting in a client’s best interests.
Verano Financial Planning is an Appointed Representative of New Leaf Distribution Ltd., authorised and regulated by the Financial Conduct Authority.
Greg is also a Chartered Fellow of the Institute and Faculty of Actuaries and a member of the Personal Finance Society. Both professions require high ethical standards, ongoing professional development and a commitment to acting with integrity.
Is it too late to start retirement planning?
Usually not.
Many people first seek advice in the years leading up to retirement or following a significant life event such as an inheritance, redundancy, divorce or bereavement.
While starting earlier can create more options, it is rarely too late to improve a financial position and make more informed decisions.
Can a financial planner work with couples and families?
Yes.
Many financial decisions affect more than one person. Verano regularly works with couples and can help families coordinate financial decisions across generations where appropriate.
Can financial planning help after a major life change?
Absolutely.
Retirement, divorce, bereavement, inheritance, redundancy, career changes and business sales are all situations where professional financial advice can help provide clarity and confidence.
Does a financial planner work with accountants and solicitors?
Yes.
Financial planning often overlaps with legal and tax matters. Where appropriate, Verano can work alongside accountants, solicitors and other professional advisers to help ensure plans remain joined up and aligned.
Professional Background
Greg Donaldson is a Chartered Actuary and Financial Planner. References to actuarial qualifications and experience relate to his professional background and expertise. Verano Financial Planning provides regulated financial planning and financial advice services and does not provide actuarial advice or actuarial services.