Are you at the back of the grid or in pole position? Are you stuck behind everyone else, reacting to what they all do or are you driving forward your own financial decisions? Perhaps that’s enough of the clichés but I guess you get the point I’m trying to make.

The banks and building societies may have looked after us in the past and in some cases this may have been to our benefit financially. Times are now a little more uncertain than they have been for some time and what does ‘Brexit means Brexit’ actually mean? We as consumers, customers or clients are far more financially aware than we have ever been and have a greater deal of choice to do what we want without savings and investments. Should you do your own thing, trust the banks and building societies, trust a financial adviser or try a combination of all three?

The truth is, it’s your money and it’s your choice to do what you want. All I would ask is please make an informed choice.

The question to consider is do you have enough information, knowledge, experience and time to do it all yourself? Most of us regularly go to the dentist, the doctors and the hairdresser even if it’s only every six months.

Would you, however, remove one of your own teeth, perform a minor medical procedure on yourself or cut your own hair? Perhaps the last one, but even that’s unlikely for most of us.

If you then decide you get professional advice your choice in simple terms is trust the bank or trust a financial adviser. Scary possibly, should it be so, I would say no. We as financial advisers are regulated by the Financial Conduct Authority. We are all qualified with a diploma in financial advice and some of us are chartered financial advisers. Our advice is covered by a variety of Government schemes and insurances, as well as our own professional indemnity insurance, which protects you as our client.

If you’ve never spoken to a financial adviser before about your savings and investments, then ask yourself why not? Ask for a free consultation at their offices or your home and see if they can help you. Whether it be savings, investments, pensions, equity release or life assurance ask yourself this simple question – are you in pole position or are you at the back of the grid?