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Your accountant and your financial adviser don’t serve the same role — and mixing them up can cost you years. Your accountant mainly focuses on your past present (records, reporting, compliance). A financial adviser helps protect your future (tax efficiency, investments, pensions, long-term planning). If you’re in your 20s and think “I’ll deal with it later,” start now. Future you will thank you. And if you’re building for your kids, don’t leave a mess with unexpected IHT. The move is simple:
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