What is a financial adviser?

A financial adviser has many functions. It is somebody who helps people plan for retirement, and into their retirement and in terms of pensions. They also help out in terms of investments, could be people that receive investments, that receive lump sums from inheritance or general savings.  A financial adviser can also help to protect families and businesses should the worst happen such as someone passing away and how you continue after that. A financial adviser also helps with inheritance tax planning which is becoming more popular.