Would someone explain when you need an accountant and when you need a financial advisor?

[queenceleste]

DH and I are not very savvy money wise.

I have googled it of course but some more human examples of when people use one and the other might really help.

Accountant - tax returns and straight forward HMRC stuff
Financial adviser - investments , pensions, home / mortgages etc

Most regular people are more likely to need a Financial Advisor. They tell you how you should best use your money for the goals you want to achieve - whether that is saving, buying a house, gifting money.

Accountants work specifically with money you have or are expecting to have to ensure competent records are kept of your income and outgoings. Most will work in companies other organisations but some people do have personal accountants for tax returns, particularly if they have multiple income streams (property, pension, employment) or are self-employed as tax returns get more complex the more types of income you have.

Thank you!