What is a 'Financial Adviser?

Financial Advisers are experts who will make recommendations to you based upon your particular financial needs. At CS Hardy Financial, financial advisors are independent and are free to advise you on different products from a wide range of financial services providers.

I am new to investing and do not have a lot of money saved up. Will you work with me?

Of course. You can never reach your objective if you are never allowed a chance to start. Many investments require very little to begin. Let us talk to you and illustrate what can be done for your particular situation.

So, how does the financial advisory process work?

The process is quite simple. To start with, your Financial Adviser will want to build up a picture of your financial circumstances. Such things as whether you're married or single, working or retired; what mortgage, pension or savings products you have are very important issues. Your adviser will also want to hear your thoughts on the future - are you for example, planning on having children or setting up your own business? The more you can tell us at this stage, the better. It may be the case that you only want to focus on one particular area of your finances - your pension perhaps. That's fine. Your Financial Adviser will only discuss those areas that you specifically wish to talk about.

After the "Data Gathering" process, your financial advisor will construct recommendations based off the information previously provided. These recommendations will detail the most appropriate approach and financial products for you. It's entirely up to you whether or not you act upon this advice. Ideally, your relationship with your Financial Adviser will continue over the years. Because as you experience major life changes, such as having children or preparing for your retirement, your Financial Adviser will have all the necessary knowledge to offer practical help and guidance.

What if I decide not to proceed?

Everything discussed at that meeting will be on a strictly confidential basis and you'll be under no obligation to take matters any further if you don't want to.

How do I get in touch?

Call us on 443-622-9583. The sooner you talk to us, the sooner you'll take control of your financial future. Or fill out the contact form under the Contact link.