If you buy an investment product based on financial advice and a recommendation, you’re much more likely to get a product that meets your needs and which is suitable for your particular circumstances. Depending on the type of adviser you use, you might also have access to a wider range of choices than you’d be able to find realistically on your own. Advisers can provide expert guidance when you have important and potentially difficult financial decisions to make, such as approaching retirement. An adviser can put a plan together to help meet your short, medium and long-term goals. They can then keep you on track to reach those goals and make changes where necessary. If you have money to invest, an adviser can make sure that it works hard for you and that you make the most of the tax reliefs and allowances available.