When an adviser leaves, it’s important to understand who will be looking after your affairs and whether you feel comfortable. When change is forced upon you, sometimes it makes sense to review your current strategy and seek professional financial advice, to get a fresh perspective.

Ask who is taking over your account, whether your current strategy will remain in place and if any recommendations are likely to change. Having clear answers can help you understand where you stand and whether a second opinion is worthwhile. Ask yourself if you feel comfortable with the new adviser.

Good wealth management is built over time and by partnering with someone you can trust. An adviser who understands your goals, family and financial history is often better placed to provide consistent guidance as circumstances change. That’s one reason many clients describe RFS as “part of the furniture” in their lives.

Many people seek a second opinion after a change in advisers, before retirement or when they’re simply looking for reassurance. Reviewing your situation with experienced financial advisers can help confirm whether your current arrangements are still right for you.

A second opinion provides a fresh perspective on your existing strategy. It can highlight opportunities, identify areas that deserve attention and help ensure your financial planning remains aligned with your goals.

Not usually. Switching advisers is a common, well-understood process, and most of the paperwork is handled behind the scenes. It’s simply a matter of formally ending one relationship and starting another, so you can focus on the bigger question: whether your new adviser is the right fit for you.

Changing advisers itself doesn’t create a tax event. However, some changes to your underlying investments, such as selling assets to move platforms, potentially could. That’s why we review your situation carefully before making any changes, so you understand the implications before you decide.