I still do, but on the other hand I am the parent of two teenagers and it worries me that I am about to become their ‘phone a friend’ on these matters and yet I am the one who is still unsure.
I see we’ve had a few late additions to the ‘Yes’ camp in the in the poll. For the longest time we were at pretty much the national average of 5-10% but we’ve jumped up to 26% which is very impressive.
I’m guessing that the kinds of people who join Dozens today, or at least those who join discussions like these, are those who are a bit more likely than most to have thought about their future and considered getting advice.
The experience of most of those who have commented, like @Rogerb @sendu and @dan_g generally seems positive on balance, but with some provisos re costs. Is that fair?
I have to say that my experience is completely positive, but I’ve consciously restricted what I expected from him. His advice has paid off many times over with a mortgage change we made some years ago (before the 2008 crash) and with his help to consolidate my pension, so I can’t argue.
To be fair, our savings weren’t of the order where his advice was needed (or could be afforded) so we did what @o99 suggested I guess, and stuck to specific decisions.
However, I do wonder if there might have been some further advice, or maybe encouragement, that could have been given so that those savings might have been better taken care of over the years? I know, I could have done more research … but we don’t get around to it, right?
Another point of interest is that most of us in this discussion, with the honourable exception of @JuB, have been men (to the best of my knowledge). I wonder if there are any women willing to share their experience, or concerns, with IFAs?
In my case it was actually my sister who referred me to her IFA that she thought highly of, but I understand that there is a substantial difference in this area (in one report I read, only 25% of those who do seek advice are women)