London Runway Issue 88: The Fine Art Issue

THE FINE ART ISSUE

SRISHTI PARMAR . FACE OF LONDON RUNWAY FINALISTS . PURE LONDON . MODELS OF DIVERSITY . GRADUATE FASHION WEEK: HERTFORDSHIRE, DERBY . LEM GEORGIA .

LONDON RUNWAY CHIEF EDITOR

EDITORIAL ASSISTANT

ADVERTISING MANAGER

RHIANNON D'AVERC

CANDICE WU

AMBER JOHNSON

editor@londonrunway.co.uk

info@londonrunway.co.uk

amber@londonrunway.co.uk

GRAPHIC DESIGNER LEAD PHOTOGRAPHER

LAUREN ROWLEY londonrunway.co.uk/submit

© 2023, London Runway Ltd and contributors. Printed by Mixam and distributed in-house by London Runway Ltd. All rights reserved. No part of this publication may be reproduced in whole or part without permission from the publisher. The views expressed in London Runway are those of the respective contributors and are not necessarily shared by the magazine or its staff.

Face of London Runway 2022 ambassadors are Pippa Winn and Flinn Andreae.

FIL MAZZARINO

PHOTOGRAPHERS

IAN CLARK & MRITYUNJOY 'MJ' MITRA

Contributors: Monika Viharová, Petra Simotová, Jan Veselý, Anastasiya Pushkaryova, Leisan Safiullina, Gulsina Akhmetova, Dilara Gilzendeger, Yuliya Shadrina, Olga Goloviznina, Lena Dudina, Yulia Sarapultseva, Vyacheslav Lozhkin, Sabina Zarawska, Amirhossein Hayati, Klaudia Pawłowska, Timeout Photography, The Gloomy Moon Child Channel, Adaeze Anane at Manikin Talent Agency, Daria Melnikova, Anastasiya Zhanich, Katerina Gasse, Daria Pivovarova, Anastasiya Polidva, Mariya Rozhikhina, Alexey Melnikov, Veronika Lebedeva, Amber Rosario, Clementyne Joy at Willow, Justin Bartels, Katie Puc, Shelby Elizabeth Creative, Maddi Silva, Alexandra Morozova, Peter Bird, Mrunal Sachania, George Ab, Epsom Downs Racecourse, British Jockey Club, Ozge Arslan, Sophie Mills, Srishti Parmar at Model Management, Alisa Black, Karolina Tomaszycka, Ewelina Antosz, Monika Rucińska, Светлана Становихина, Анна Комлева, Наталья Гасилова, Дина Полухина, Chad Holmes, Michael Lecours, Christopher Pfanstiel, LaceMade, Jose Rodriguez, Shutter Fam, Iamcreativespace, Jayde Rankin, Julie Powell, Andrea Gardiner,Emma Marieta, Zonicka, Anna Maynard, Allysse Hawk, Esme Acuna Rodriguez, Monica Ley, Adelyn Baber, Karen Bracamonte, Pop Triggered Styling, Bloom Maven Florist, Alexandra Kalashnikova, Devusi, Alena Tokareva

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CONTENTS

LONDON RUNWAY

33

83

PICTURES Models of Diversity

16

Graduate Fashion Week

23

The Main Exhibit (Editorial)

33

Lem Georgia

39

University of Hertfordshire

43

University of Derby

48

Pure London

55

Iridescent (Editorial)

66

Lumiere

76

African Treasures (Editorial)

79

British Fashion Islands (Cover Editorial)

83

Alisa Black

87

No Plastic Fantastic (Editorial)

91

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Montgolfiers (Editorial)

97

Still Life With Cherries

102

A Walk Through the Lilac Garden

105

Never Neverland (Editorial)

1112

Vintage Steampunk (Editorial)

118

Floral Couture (Editorial)

122

FEATURES Face of London Runway 2023: The Finalists!

4

New Faces

25

Style (Conscious) Guide: Work of Art

53

How Can a Financial Advisor Impact Your Life?

109

EL LONDON RUNWAY

EDITOR'S LETTER Welcome to the Fine Art issue! This month, we're celebrating art in whatever form it may take.

We have some exciting and unexpected editorials for you, playing with what fine art means: some in which the model becomes the art, some in which the art is something that happens to the photograph after it has been taken, and some that see art and beauty in the form of the body and clothes themselves.

It's always exciting to see what our submitters can come up with when we challenge them to a more creative theme - we love it! It's making us even more excited for the Rose, Fragile, and Green issues over the next few months.

upcoming issues too - just a hint!

This month has been fantastic behind the scenes at HQ. We've been preparing for the Face of London Runway semifinal, which you can read all about in the next few pages - along with the names and photos of the finalists! It's been very exciting and we can say without any hyperbole that this semifinal was - as always - our favourite event of the year. It's so hard to beat for atmosphere, enjoyment, and the fact we get to really meet and know forty new models each time.

If you want to get your work featured alongside galleries like these, by the way, remember to visit us on Kavyar.

You can find all the links you need on our website at londonrunway.co.uk, whether your priority is to submit an article, get interviewed as a model or business owner, or maybe promote an upcoming event.

We did get a bit more up close and personal with a few other models, however - with our inaugural London Runway Shoot Day taking place on the 1st July! You can see the results of that shoot later in the month on our Instagram. It was a lot of fun and the results speak for themselves. If you'd like to get involved in a shoot day yourself, all you have to do is head to our website - we are now booking for dates in late August and early September.

Our cover is available for some of our

If the demand is high, we may open

more - but for now we plan to schedule one shoot day a month, so there's always a chance to get stuck in.

LFW is rapidly approaching, but before that we have the London Runway Virtual Festival, which this year will be taking a stripped-back form. We need a rest for 2023, hopefully to return even stronger in 2024 - but do look out for the traditional interview with our semifinalists live on our Instagram page!

Right, I'll stop talking quite so much now and let you get on with the issue.

Don't skip over the galleries we have this month from Graduate Fashion Week - if there's anyone who knows how to turn clothes into works of art, it has to be students, who haven't yet entered the world of work and been beaten down into more commercial prospects.

See you on Instagram over at @londonrunwaymag!

, y o j En n o n n a i Rh x

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LONDON RUNWAY

FACE OF LONDON RUNWAY 2023: THE FINALISTS! Rhiannon D’Averc introduces the finalists for the Face of London Runway 2023 – and how we reached this point.

After a long journey whittling down 850 entrants to just 10, we’re here at last: the final round of the Face of London Runway 2022.

If you’ve missed all the excitement so far, here’s how it all happened!

Back in May, an entry form appeared on our website, allowing entrants to submit photographs, videos, and their essential details. We also put the word out via a few different casting sites across the width and breadth of the internet, but everyone had to submit the same materials to make it through.

In our first round, we heard from 850 applicants– a record number from a record range of international locations!

The homes of our applicants ranged from Australia, to Nigeria, to South Africa, to Canada and the US, to plenty

of different European countries, and of course, to right across the UK. We narrowed this list down to the most promising people to go ahead to our virtual round. Across ten group Zoom calls, Chief Editor Rhiannon D’Averc met the top 100 entrants we had chosen to go through, asked them some questions about their modelling experience and goals, and put them through their paces with a virtual posing challenge. We chatted with people from all around the world and from all walks of life, and plenty of invaluable advice was dispensed!

Fil Mazzarino was on hand to capture classic portraits, Rhiannon D'Averc shot jewellery looks with items provided by Rove London, and Mrityunjoy Mitra was there to capture the beauty looks that the contestants created themselves!

We're so happy to have worked with Chocolate Studios and Rove London be sure to check them out!

It was brutal to try to cut down the list, but we made it – just 40 of the models were invited to our semi-final event in Chocolate Studios, a stunning venue in the heart of Shoreditch.

Once there, we captured three shots of each model according to a specific set of briefs. You’ll see the shots of our finalists on the next few pages! Our talented staff photographers were behind the lenses.

Above: staff and contestants for the Face of London Runway 2023!

Left: a cosy spot in Chocolate Studios for our models to have a quick rest or record their self-tapes

LONDON RUNWAY SO, WHAT HAPPENS NEXT? You can see the final images for our top ten finalists over the coming pages.

You’ll also find them on Instagram, posted individually from the 28th July.

We’ll be opening the vote to you, members of the public and our readers, to hit ‘like’ on the finalist that you’d love to see win. We’ll end up with one beauty winner and one jewellery winner, with two runners-up in each category, based on a combination of your votes (50%) with our judging scores (50%).

And we can tell you, it’s all very tight – there’s a lot to play for here! In both 2020 and 2019, the winners really came down to the line – we had such a close run on the public vote that the judge’s score tipped the winner into first place.

In both 2021 and 2022, we had some disqualifications, leaving those who thought they had no chance suddenly facing a shot at the victory. This means that every single vote really counts!

When they were done with official photography, each of the models also faced two more challenges: a quick video they had to shoot themselves as a self-tape, and a selfie challenge they had to post on Instagram – you may have seen some of them live under our hashtag #faceoflondonrunwaymag23!

ANA JULIA MEDRANO CERNA

All of this was assisted in no small part by our lovely assistant (and social media manager, advertising manager, and generally extremely useful person) Amber Johnson!

DAN HOLLAND

There with us on the day we also had a former alumnus: Sainey a top-three finalist from last year, on standby to dispense advice, help out with wardrobe issues, and lend a hand where it was needed!

It was a fun day with a lot of great work put in, and we were so pleased to see everyone working together, networking, and making friends with their fellow models!

After all was said and done, we had a huge group of talented and gorgeous models – all of whom had potential as finalists. But when it came down to the wire, we had to make some extremely difficult choices.

Only ten of them could make it through to the final round. Five entrants in the beauty category, and five in the jewellery category. What a difficult decision it was – but we finally made it!

In alphabetical order only, they are...

COREY LANE

ESSENSE SHOMARI HOWELLS IGNACIO FERRER JOE FOX JULIE BOUTTIER MUNASHE STEPHANIE SHUMBA RAPHAEL MARTIN SAGE KIM

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The vote will close on the 20th August and you’ll be able to meet the winners in our next issue!

They’ll be getting an exclusive cover shoot with us, help with their modelling career over the next year, and will appear on our podcast London Runway Style as well as any other opportunities we can get to show them off. And it doesn’t stop there, as our Face of London Runway alumni tend to pop up time and again as the years go by!

Over the coming weeks, be sure to check up on @londonrunwaymag to see more of the stunning shots which we couldn’t possibly fit in these pages.

Following pages: Classic headshots by Fil Mazzarino @filmazzarino Beauty shots by Mrityunjoy Mitra @the_mj_studio Jewellery provided by Rove London @rove_london, shots by Rhiannon D'Averc @rhiannondaverc Venue Chocolate Studios @chocolate.studios

2023

ANA JULIA MEDRANO CERNA

2023

COREY LANE

2023

DAN HOWARD

2023

ESSENCE SHOMARI HOWELLS

2023

IGNACIO FERRER

2023

JOE FOX

2023

JULIE BOUTTIER

2023

MUNASHE STEPHANIE SHUMBA

2023

RAPHAEL MARTIN

2023

SAGE KIM

LONDON RUNWAY

MODELS OF DIVERSITY Photography by Fil Mazzarino @filmazzarino

AMOUR EMEL

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LONDON RUNWAY

BECKONING BLOOMS

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LONDON RUNWAY

OPEN BIONICS

HOUSE OF FLINT

UNHIDDEN CLOTHING

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LONDON RUNWAY

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LONDON RUNWAY

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LONDON RUNWAY

LIQUORISH

LONDON RUNWAY

HYELIM KIM

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LONDON RUNWAY

GRADUATE FASHION WEEK Photography by Fil Mazzarino @filmazzarino

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LONDON RUNWAY

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LONDON RUNWAY

NEW FACE: MONIKA Name: Monika Viharova Age: 28 Location: Prague Agency: Freelance How long have you been modelling for?

10 years Where are you from originally?

Slovakia Do you have an unusual talent or

party trick?

Speaking fluently English, German, Slovak, Czech, and dancing skills.

What would surprise people to know about you?

I'm half Asian, my mum comes from Kyrgizstan and I attended Miss Tourism World final in Croatia in 2019 and represented Slovakia there.

What are your modelling ambitions?

Maybe one day to be a face of beauty/cosmetic brand.

Model: Monika Viharová @monica_vihar Makeup Artist: Petra Simotová @petrasimiho_makeup Photographer: Jan Veselý @fotojv7

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LONDON RUNWAY

NEW FACE: ANASTASIYA Name: Anastasiya Pushkaryova Age: 14 Location: Izhevsk, Russia Agency: Freelance

party trick?

I play the piano and sing great. I studied piano and choral singing at a music school for 8 years.

How long have you been modelling for?

I studied at a modeling school for 2 years and have been taking part in interesting projects for almost 2 years.

What would surprise people to know about you?

Everyone is surprised that I am a professional athlete. I have been studying at the Olympic Reserve sports school for three years now.

Where are you from originally?

Izhevsk, Russia Do you have an unusual talent or

What are your modelling ambitions?

I want to become the face of one of the leading sportswear brands

Model: Anastasiya Pushkaryova @anastasiya_pushkaryova Hair Stylist: Leisan Safiullina @leisansafiulllina Stylist: Gulsina Akhmetova @mnestilno Makeup Artist: Dilara Gilzendeger @visage.di; Yuliya Shadrina @shadrina_makeup Photographers: Olga Goloviznina @golovizninafoto; Lena Dudina @lena.dudina_photo; Yulia Sarapultseva @sarapulceva.pro.foto; Vyacheslav Lozhkin @mirail.pro

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LONDON RUNWAY

NEW FACE: KLAUDIA Name: Klaudia Pawloska Age: 21 Location: Wroclaw, Poland Agency: Freelance

Dancing, Singing. Speaking swiftly, I could be related to a pigeon.

Expressive facial expressions, ability to comfortably raise an eyebrow.

How long have you been modelling for?

5.2 years

What would surprise people to know about you?

People are often surprised that I listen to old rock and blues. that I'm a fan of old cars and I love speed.

Where are you from originally?

Poland Do you have an unusual talent or party trick?

What are your modelling ambitions?

I got a passion to work as a model for clothing brands

Makeup Artist: Sabina Zarawska @sabi.zaur Photographer: Amirhossein Hayati @reallianoazz Model: Klaudia Pawłowska @cloudyaccedia

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LONDON RUNWAY

NEW FACE: ADAEZE Name: Adaeze Cornelia Anane Age: 33 Location: Seattle, Washington, USA Agency: Quickbook Agency, Manikin Talent Agency

How long have you been modelling for?

4 years Where are you from originally?

Seattle, Washington, USA Do you have an unusual talent or party trick? have a high tolerance to alcohol, it is very hard for me to get drunk. It takes a lot of alcohol to make me drunk.

What would surprise people to know about you?

I used to be an Emo moody Hot Topic American high schooler. Hot Topic in the 90s was this very Emo clothing store for teenagers, I shopped there when I was a teenager.

What are your modelling ambitions?

To continue to never stop learning about runway and fashion modeling, to build my fashion networking as well as connections in the entertainment field. As well as to make a difference in the fashion community as a unique type of beauty that has never been seen before in the fashion or even the entertainment world of celebrities and models.

Photographer: Timeout Photography; The Gloomy Moon Child Channel @gmchannelshow Model: Adaeze Anane at Manikin Talent Agency @adaeze_c_anane Wardrobe: Torrid, Ross, Lovely Wholesale

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THE MAIN EXHIBIT Event Planner: Daria Melnikova @melnikova.wedding Model: Anastasiya Zhanich @bunny421 Creative Director: Katerina Gasse @gasse.studio Fashion Designer: Daria Pivovarova @dashaeveningdress Makeup Artist: Anastasiya Polidva @polidva_anastasia Accessory Designer: Mariya Rozhikhina @mariia_ro_ Photographer: Alexey Melnikov @melnikov.foto Hair Stylist: Veronika Lebedeva @veronikasss

LEM GEORGIA

LONDON RUNWAY

Photography by @fapfap.photo Show: Metrica

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LONDON RUNWAY

UNIVERSITY OF HERTFORDSHIRE

Photography by Fil Mazzarino @filmazzarino

ADRIANO SOUSA CAPELO

EVELINA AYRAPETYANTS PAGE 43

LONDON RUNWAY

GEORGIA GEORGEOU

JESSICA NAGALIA SETIAWAN

KARIMA GRILLO PAGE 44

LONDON RUNWAY

NARMINA GUSEINOVA

KAROLINA KOLBANTSEVA PAGE 45

LONDON RUNWAY

SANIYAH AHMED

SELIN YILMAZER

SOFIA ERYGINA

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LONDON RUNWAY

SOFIIA SEGALLA

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LONDON RUNWAY

UNIVERSITY OF DERBY HOSS

CHENHUI LIAN

BRUNA NEVES

ANA KATERINA

Photography by Fil Mazzarino @filmazzarino

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JORDAN LEWIN

ELIZABETH MCLEAN

DAPENG ZHAO

LONDON RUNWAY

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YETONG XIAO

ZHAOYANG SUN

LONDON RUNWAY

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KLAUS WANG

FEIFAN LI

ERICK MASIH

LONDON RUNWAY

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SHUYU ZHOU

RAMONA GABRIEL

LONDON RUNWAY

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STYLE (CONS CIOUS) GUIDE

LONDON RUNWAY

SELECTED BY RHIANNON D'AVERC THE LETTER Painted Sleeve Biker Jacket £881.00

GANOR DOMINIC Phoebe In Black £380.00 SABINNA Alma Floral Pyjama Top £90.00

LA MUSA Venus Corset Top £481.00

OLLI HULL 'Iconic' Pink and Purple Pleather Skirt £100.00

LA MUSA Rain Skirt £497.00

JORI PAPA Elsa Mule £222.60

ANARELA Purgatorio 100% Silk Scarf £142.00

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STYLE (CONS CIOUS

ELSA TIERNEY JEWELLERY Angel Ring £565.00

U.MI-1 ASO-OKE Denim Jacket £385.00

KING COCKEREL CO. El Perro T-Shirt £30.00

YOROSHIKU 4649 Cotton Drill Sweatpants Joggers £160.00

WORK OF ART

LONDON RUNWAY

HOUSE OF BILIMORIA Camel Shirt Limited Edition £250.00

STYLE CONS CIOUS)

MAQU Bri Dress £155.00

STEPHANIE GRACE JEWELLERY Protective Eye Necklace £295.00

JOULALA Raja Ampat Jaw Ring £70.00

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PURE LONDON LONDON RUNWAY

Photography by Mrityunjoy Mitra @the_mj_studio

Designers: Jayley Curtis George W. Davies Flavia Pinello Maryisa Scocca Beauut Suahru Be The Kind Origine Fena Melilli Nissa Ammia Nissa One ...and more Concept Nature Leonard Les Waves Kalliope Claudia Fasciana Mythos Fashion District

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IRIDESCENT Models: Amber Rosario @ambivurt; Clementyne Joy at Willow @clementynejoy Photographer: Justin Bartels @bartelsphoto

LUMIÈRE Photographer: Katie Puc @katiepuc_photography Wardrobe Stylist: Shelby Elizabeth Creative @shelbyelizabethcreative Model: Maddi Silva @maddi.silva Wardrobe: Vintage and thrifted

AFRICAN TREASURES Photographer: Alexandra Morozova @sashamorozova Jewellery: bought on the market in France and Egypt

LONDON RUNWAY

Srishti wears: Burberry London, Louis Vuitton, Zara

Photographer: Peter Bird @drawing; Mrunal Sachania @mrunals.photography; George Ab @georgephotography0 Club: Epsom Downs Racecourse @epsomdownsracecourse; British Jockey Club @thejockeyclub Makeup Artist: Ozge Arslan @ozgemuax Fashion Designer: Sophie Mills @sophiemillstextiles Model: Srishti Parmar at Model management @srishti_parmar_2

LONDON RUNWAY Srishti wears: Burberry London, Zara

LONDON RUNWAY

Srishti wears: River Island, Burberry, Zara

LONDON RUNWAY Srishti wears: Burberry London, Louis Vuitton, Zara

LONDON RUNWAY

ALISA BLACK Fine Artist: Alisa Black - Maryna Berchii @alisablack1art

PAGE

N O P LA S TIC FA N TA S TIC Model: Karolina Tomaszycka @tomaszcycka Makeup Artist: Ewelina Antosz @ewela.a Photographer: widzenie | Monika Rucińska @widzenie_

MONTGOLFIERS Makeup Artist: Светлана Становихина @svetlanastbeauty Model: Анна Комлева Photographer: Наталья Гасилова @nataliagasilova

STILL LIFE WITH CHERRIES Photographer: Дина Полухина @dina_romantina

A Walk Through the Lilac Garden Model: Alexandra Kalashnikova @akalashnikova_offical Fashion Designer: Devusi @devusi_official Makeup Artist/Photographer/Retoucher: Alena Tokareva @ellen.kids

LONDON RUNWAY

HOW CAN A FINANCIAL ADVISOR IMPACT YOUR LIFE? Rhiannon D’Averc talks to the experts to find answers to your most pressing financial questions. This month – is a financial advisor worth it, when should you get one, and how can they impact your life?

WHO NEEDS A FINANCIAL ADVISOR? Reading this article, you may be wondering if it’s even for you. Are you the kind of person who needs a financial advisor?

The need for a financial advisor is not limited to a specific demographic or income level. Anyone who wishes to optimise their financial situation can benefit from their services – and who doesn’t want to have more money and worry less about it?

Whether you are just starting your career, planning for retirement, dealing with a significant life event, or seeking to grow your wealth, a financial advisor can help you devise a tailored strategy to reach your objectives.

If you feel like thinking or talking about money is scary, then you’re definitely in need of a helping hand. “That thing that sounds scary isn't once someone helps you navigate it,” says Christopher Pfanstiel at Axias Wealth Advisors. “I think there are a million professions that do that for other people. [They] take you from worried to at peace or comfortable. The financial coach is just the person that's the translator and then the fixer, the communicator for those matters that are financial.”

Different people may have different needs from their advisors, as Michael Lecours from fpPathfinder points out.

“Financial advisors fit into a number of different roles to help clients and individuals. You have some people that are confused. They don't know the answers to the questions. They don't even know the questions to ask. And so they need somebody to ask who’s going help guide them through that process.

“And then there are others where they are so distracted with everything going on in life that they just don't want to bother. Like, ‘I know the questions, I can do the math, but I don't have time

to do it and double check it and make sure it's right’. So, in that case, they're looking to delegate. “[Or] the clients are scared and they need an advisor to help them not be scared or to help them give some confidence when the markets are scary.”

WHEN SHOULD YOU GET A FINANCIAL ADVISOR? The ideal time to engage a financial advisor varies, but the experts I spoke to agreed that it’s something you should look into sooner rather than later. Any of the following could prompt you to seek advice: Significant life events: If you experience a major life change such as marriage, divorce, birth of a child, or inheritance, a financial advisor can guide you through the necessary adjustments to your financial plan.

Long-term goals: When you start considering long-term goals like

buying a home, funding your children's education, or planning for retirement, a financial advisor can help create a roadmap to achieve them.

Complex financial situations: If your financial situation becomes more complicated due to increased income, business ownership, or sudden wealth, a financial advisor can provide expertise to manage and grow your wealth effectively.

Of course, just because you know you need a financial advisor, doesn’t mean they will be willing to see you – especially if you are in your early twenties, which is, realistically, when you will need to start saving for your old age.

“The real answer is people should do things right from the very beginning of their career. First, get a job and enrol in their benefit program,” says Pfanstiel.

“The first dollar in the 401k should go into the right allocation. But it's so difficult to find someone who's going to say, yeah, I have time to have that conversation for what equates to be five cents an hour.”

Lecours agrees, but sees some hope in the future. “If you are relatively new out of college, you're young, you've got college debt. You're entering the workforce, so you're trying to figure out what your benefits are. All these new rules. You’ve left your parents.

You're on your own. You're buying a house. You're getting married. You're changing jobs. You've got a lot of major life events.

“But, typically, advisors don't want to talk to you unless you've got a couple hundred thousand dollars saved up.

And so we're seeing the industry start to change a bit more where there's

subscription models out there, where an advisor can be hired for a hundred or two hundred dollars a month. And a client can be working with them in that aspect. They don't need to have the big pot of money.

“So, I think that that's opening up a lot of new ways for everybody that is interested to have access to an advisor.”

WHAT CAN A FINANCIAL ADVISOR DO FOR YOU? One of the huge benefits of having a financial advisor is that they are the ones who get to do all of the research – and you can just reap the rewards of their knowledge. “When you switch over [to a financial advisor], you start looking under rocks that you never even knew were there,” says Chad Holmes at Formula Wealth. “We can take advantage of loopholes and tax code. And we can take advantage of things that, honestly, unless you're just researching, constantly – if you don’t want to do that… hire somebody who

knows how to do that.”

Knowing that everything is taken care of for you is also a huge deal – and a weight off the mind. “When you have an advisor like that, a trusted partner, you can go through life with, in my opinion, more peace of mind,” explains Holmes. “Knowing that all of your blind spots are being analysed and reviewed by somebody else with a different perspective who specializes in those blind spots.”

Don’t underestimate the effect an advisor can have on your mental health, when it comes to taking stress off your plate. “If money is a major source of stress and you're not feeling it, then in some way, shape or form, advisors can lessen the strain on whatever is in your life that drives you to your therapist or your prescription or your psychologist,” says Pfanstiel.

“Money can really tear somebody apart. So, while I can't quantify it, I can say that there's probably billions plus just in the US on the table that advisors are at least capable of saving clients in mental health costs.”

LONDON RUNWAY

Those costs can also be high in the UK, where therapy is not always available on the NHS. Many of us would agree that we’d be willing to pay more in order to have happier lives, so getting peace of mind AND saving money is a huge win.

WHAT IS THE MEASURABLE FINANCIAL IMPACT OF A FINANCIAL ADVISOR? The benefit of having someone on your side for all your financial planning needs can be measured in percentages and figures – in fact, it’s a pretty wellknown standard in the industry. A good financial advisor should be able to save you (or make you better off by) as much as 3%. That’s not something to be sniffed at, and when combined with the earlier benefits, it’s a no-brainer.

“3% doesn't sound like much, especially when most advisors are charging 1%,” Holmes says. “But if you compound a few hundred thousand dollars or a million dollars by an extra 2% a year for two or three decades – the end result, it's an incredible investment to work with somebody.”

Pfanstiel has seen a huge impact gained by some of his clients who took his advice at the right time. “Unfortunate as it is, we've had clients who we've yelled at to get wills or get life insurance or things like that, actually end up passing away. The seven figure difference of what's left behind for that family and how feasible it is to get their crap together... that seven figure difference is a monstrous transformation.”

Where does this two or three percent boost come from? “It comes from things like when the markets are really down and you're scared and if you’re left to your own devices, you're going to go sell out of everything and move all the cash,” explains Lecours. “Instead of doing that, you talk to your advisor and the advisor puts this in perspective and you say, I won't. I'm going to stay the course - and then all of sudden the markets start to slowly recover, when ordinarily you would sell out and miss out on all those gains.”

Having a financial advisor on your side could make a huge difference to your life, especially if you start as early as possible – at least a couple of years before any anticipated life events. The sooner you start, the greater that two percent can add up to – and the bigger difference you will see when, one day, you hopefully reach retirement and get to enjoy the spoils.

Join us next month for another insightful look at the world of finance.

You can find Rhiannon on Twitter @rhiannondaverc – send her your pressing questions to get them answered here in our pages!

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