Speaking to loved ones about what’s going on with our bank accounts can be tough enough, so it’s understandable that the idea of talking to a professional financial adviser could bring many people out in a dread-filled sweat. But there’s really no need to worry, says Matthew Beck, a chartered financial planner at Smith & Pinching . This isn’t school, you’re not going to be told off for your past money-making decisions. “It’s not about having a teacher-student mentality where you’re grading someone on what they’ve done so far,” he says reassuringly. “It’s about coaching them in terms of how they think about money, how they think about investing, and how they might think about structuring their financial plan going forward, giving them options, giving them explanations on how things work, and guiding them.” It actually sounds a lot like therapy. “You almost sit like the client’s family chief financial officer, in that, it often isn’t just a chat about what the stock market is doing,” agrees Beck.…