What are the pros and cons of using a financial adviser?

Pros –  they give you essentially a second line of defence. If you’ve not dealt with investments and pensions in the past and financial adviser can add value to you there. It is advisable to consult one if you are not versed in pensions and investments as well as insurances.

Cons –  you need to find quality ones and ones you like working with and there are fees to pay for the advice you get. Hence be sure that they are adding value to your position.