{"id":5283,"date":"2026-04-16T14:35:20","date_gmt":"2026-04-16T14:35:20","guid":{"rendered":"https:\/\/www.pinnaclewealth.co.uk\/?p=5283"},"modified":"2026-04-17T11:14:07","modified_gmt":"2026-04-17T11:14:07","slug":"what-is-the-value-of-financial-advice","status":"publish","type":"post","link":"https:\/\/www.pinnaclewealth.co.uk\/2026-development\/?p=5283","title":{"rendered":"What is the real value of financial advice?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5283\" class=\"elementor elementor-5283\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a3036d5 e-flex e-con-boxed e-con e-parent\" data-id=\"1a3036d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64779b0f elementor-widget elementor-widget-text-editor\" data-id=\"64779b0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>[December 2025] In today\u2019s financial climate, the only certainty is change. Headlines warn of economic slowdown, inflation still bites, and a new wave of tax rules is reshaping the landscape for families and business owners alike. From frozen allowances to evolving pension legislation, for most people it\u2019s never felt more complex or frustrating.<\/p><p>At Pinnacle, we believe professional advice is not a luxury, it\u2019s a necessity. The right guidance helps our clients get beyond the noise to focus on what matters, and make confident decisions that protect and grow their wealth over time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f8a9eb e-flex e-con-boxed e-con e-parent\" data-id=\"4f8a9eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5df3b55 elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5df3b55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>Take a look at what our clients are saying<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f3b133 elementor-widget-mobile__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"0f3b133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><style>\n\/* Scale the whole widget *\/\n.vf-firm-4870 {\n    transform: scale(0.85); \/* adjust size (e.g. 0.8 = smaller, 0.95 = slightly smaller) *\/\n    transform-origin: top left;\n}\n\n\/* Optional: prevents overflow spacing issues *\/\n.widget-wrapper {\n    overflow: hidden;\n}\n<\/style>\n\n<div class=\"widget-wrapper\">\n    <div class=\"vf-prof-review\">\n\n        <script src=\"https:\/\/api.vouchedfor.co.uk\/v0\/public\/widget\/firm-rating?version=vf2023\"><\/script>\n\n        <div class=\"vf-firm-4870\">\n            <a title=\"Pinnacle Wealth Management LLP profile\" href=\"https:\/\/www.vouchedfor.co.uk\/firm\/4870\">\n                <img decoding=\"async\" style=\"padding-top: 0px;\" src=\"https:\/\/assets.vouchedfor.co.uk\/widgets\/ratings-and-reviews\/legacy-version\/img\/ajax-loader.gif\" alt=\"Pinnacle Wealth Management LLP profile\" \/>\n            <\/a>\n\n            <script type=\"text\/javascript\">\n                setTimeout(function(){\n                    contentLoaded(window, function(e) {\n                        vf_get_ratings(\"NDg3MA==\", \"vf-firm-4870\")\n                    });\n                }, 1500);\n            <\/script>\n        <\/div>\n\n    <\/div>\n<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30a2254 elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"30a2254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.vouchedfor.co.uk\/firm\/4870-pinnacle-wealth-management-llp\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c72e2f6 e-flex e-con-boxed e-con e-parent\" data-id=\"c72e2f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed53574 elementor-widget elementor-widget-heading\" data-id=\"ed53574\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The 2% uplift: Advice delivers real value\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4a9cb0 elementor-widget elementor-widget-text-editor\" data-id=\"c4a9cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"font-size: 1rem;\">It\u2019s one thing to claim advice \u201cadds value.\u201d It\u2019s another to quantify it.<\/span><\/h3>\n<p>A 2020 study by Numis Securities pointed to a 2% per year improvement* in net investment outcomes<br>when professional financial advice was added (after fees and taxes). This would have included aspects such as:<\/p>\n<ul style=\"margin: 0; padding-left: 20px; sans-serif; font-size: 1rem; font-weight: 400;\">\n<li style=\"margin: 0;\">smoother behaviour (avoiding costly panic moves)<\/li>\n<li style=\"margin: 0;\">asset allocation shifts at the right times<\/li>\n<li style=\"margin: 0;\">smarter tax planning<\/li>\n<li style=\"margin: 0;\">investment strategy<\/li>\n<li style=\"margin: 0;\">bespoke structuring to protect downside<br><br><\/li>\n<\/ul>\n<p>This was a significant difference and was enough to change a retirement date, support adult children or big-dream purchases at the time.<\/p>\n<p>Past performance is not indicative of future performance. Fund values fluctuate and can fall as well as rise. You may get back less than you invested.<\/p>\n<p>One of our clients explained clearly how she has benefited from expert advice from Noah Lasoye, an Adviser who has been with the Practice for 3 years:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f980250 e-flex e-con-boxed e-con e-parent\" data-id=\"f980250\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6520a5 elementor-widget elementor-widget-text-editor\" data-id=\"e6520a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>&#8220;<em>I cannot speak highly enough of working with Noah Lasoye of Pinnacle Wealth Management. We met via LinkedIn and right from the off, Noah has been great to work with. Working in a very busy corporate role, I needed support and advice in financial management and Noah has provided the perfect service. He has excellent knowledge; all served with a friendly face and smile. Thank you Noah!&#8221;<\/em><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b7aeb5 e-flex e-con-boxed e-con e-parent\" data-id=\"7b7aeb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-130699c elementor-widget elementor-widget-heading\" data-id=\"130699c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We help clients 'see round corners'<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4a5818 e-con-full e-flex e-con e-child\" data-id=\"c4a5818\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-414b4cb e-con-full e-flex e-con e-child\" data-id=\"414b4cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-863c60b elementor-widget elementor-widget-text-editor\" data-id=\"863c60b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Frozen allowances, new tax thresholds, volatile markets, these are all the realities of today. Our advisory role is to anticipate these changes, stress-test a client\u2019s plan against them, and give them the confidence to act.<\/p><p>Our unique Pinnacle LifePlan process does exactly that. By combining advanced cashflow modelling with hands-on expertise, we help clients see their financial future clearly, highlighting risks, opportunities, and the robust routes forward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18850ce elementor-widget elementor-widget-text-editor\" data-id=\"18850ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>Listen to a client explain the value of the advice he received from our of our Advisers, Richard Veal.<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d73fdfc e-con-full e-flex e-con e-child\" data-id=\"d73fdfc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e68f9a7 elementor-widget elementor-widget-button\" data-id=\"e68f9a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.pinnaclewealth.co.uk\/wp-content\/uploads\/2024\/03\/Pinnacle-PJ-LifePlan-Case-Study-1-no-date-lr.mp4?_=3\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to listen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-903687c e-flex e-con-boxed e-con e-parent\" data-id=\"903687c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b353c99 elementor-widget elementor-widget-heading\" data-id=\"b353c99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Emotion is expensive<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708f5f5 elementor-widget elementor-widget-text-editor\" data-id=\"708f5f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The truth is, financial mistakes are costly. Acting on emotion, chasing headlines, or misinterpreting new rules can derail decades of hard work. Professional-focused advice acts as a safeguard:<\/p><ul style=\"margin: 0; padding-left: 20px; sans-serif; font-size: 1rem; font-weight: 400;\"><li style=\"margin: 0;\">Preventing investment mistakes driven by panic or greed<\/li><li style=\"margin: 0;\">Optimising tax efficiency to increase your after-tax returns<\/li><li style=\"margin: 0;\">Structuring protection to ensure your family, business, and lifestyle are secure<\/li><li style=\"margin: 0;\">Building a legacy by reducing inheritance tax exposure<br \/><br \/><\/li><\/ul><h4>Financial freedom doesn\u2019t happen by accident, and it certainly isn\u2019t guaranteed by income alone. It requires a clear, well-defined plan and a financial Partner you can trust through life\u2019s inevitable changes. That\u2019s what real value looks like.<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69c3ba4 e-flex e-con-boxed e-con e-parent\" data-id=\"69c3ba4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7e7061 elementor-widget elementor-widget-text-editor\" data-id=\"c7e7061\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The value of an investment with St. James&#8217;s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.<\/p><p>The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.<\/p><p><strong>*Source: *Numis Securities Research, Sept 2020.<\/strong><\/p><p>According to independent analysis the value of professional financial advice amounted to an additional 2% per year. This is based on comparing annual returns for St. James\u2019s Place clients against those who managed their own investments. The research by Numis Securities, which covered all clients\u2019 SJP pension investments, found that between June 2010 and June 2020 the average growth achieved was 7.7% pa. By comparison, the same exercise for pension clients of a large firm where investors usually make their own investment decisions achieved an average of 5.5% pa over the same period.<\/p><p><strong><em>What does this really mean?<\/em><\/strong> \u00a3100,000 invested under the guidance of an expert Financial Adviser at the start of the period was worth on average \u00a3210,000 by the end. \u00a3100,000 invested by a non-advised client on average grew to \u00a3171,000 over the ten years. This analysis didn\u2019t include any tax benefits from advice.<\/p><p>Past performance is not indicative of future performance.<\/p><p>Pinnacle is a Principal Partner Practice of St. James\u2019s Place.<\/p><p>Clicking a link will open a new window. Any external sites are not endorsed by St. James\u2019s Place.<\/p><p>SJP Approved 02\/12\/2025<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[December 2025] In today\u2019s financial climate, the only certainty is change. Headlines warn of economic slowdown, inflation still bites, and a new wave of tax rules is reshaping the landscape for families and business owners alike. From frozen allowances to evolving pension legislation, for most people it\u2019s never felt more complex or frustrating. At Pinnacle, [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":2944,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"footnotes":""},"categories":[3,30],"tags":[],"class_list":["post-5283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-hero"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the real value of financial advice? - Pinnacle Wealth<\/title>\n<meta name=\"description\" content=\"With increased flexibility in how you recieve your pension, also means greater complexities. &#039;Drawing down\u2019 on your pension just simply isn\u2019t enough.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the real value of financial advice? - Pinnacle Wealth\" \/>\n<meta property=\"og:description\" content=\"With increased flexibility in how you recieve your pension, also means greater complexities. &#039;Drawing down\u2019 on your pension just simply isn\u2019t enough.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pinnaclewealth.co.uk\/2026-development\/?p=5283\" \/>\n<meta property=\"og:site_name\" content=\"Pinnacle Wealth\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-16T14:35:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-17T11:14:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pinnaclewealth.co.uk\/2026-development\/wp-content\/uploads\/2023\/03\/pinnacle-website-roles2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"550\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sharon Calderini\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sharon Calderini\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283\"},\"author\":{\"name\":\"Sharon Calderini\",\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/#\\\/schema\\\/person\\\/93c72e79c193f9c4fd6b2a36d22bca3a\"},\"headline\":\"What is the real value of financial advice?\",\"datePublished\":\"2026-04-16T14:35:20+00:00\",\"dateModified\":\"2026-04-17T11:14:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283\"},\"wordCount\":784,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/pinnacle-website-roles2.jpg\",\"articleSection\":[\"Business\",\"Hero\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283\",\"url\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283\",\"name\":\"What is the real value of financial advice? - Pinnacle Wealth\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/?p=5283#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pinnaclewealth.co.uk\\\/2026-development\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/pinnacle-website-roles2.jpg\",\"datePublished\":\"2026-04-16T14:35:20+00:00\",\"dateModified\":\"2026-04-17T11:14:07+00:00\",\"description\":\"With increased flexibility in how you recieve your pension, also means greater complexities. 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