Financial Planning

So how does it work? Financial planning is designed to provide the answers to some of those tricky questions in life:

  • is your money working as hard as it could be?
  • are you taking too much (or too little) risk with your investments?
  • what would happen to your family if you couldn’t work?
  • how do make sure you generate enough income to keep your children in private education and see them through university?
  • when can you afford to start working less or retire fully?
  • how can you improve your pension at retirement?
  • will there be a time in your life when you run out of money?
  • what impact will Inheritance Tax have on your estate?

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

You may feel you’re working hard, week in, week out to achieve the income you need for your lifestyle but don’t have any real understanding as to whether you’re on track. Or with interest rates as they currently are, you may feel your savings have reached a bit of a standstill. If so, we can can provide new momentum to make sure they are in the best place possible.

We will explore all these issues with you as part of the process of establishing your main goals and objectives. Cashflow modelling is one of the tools we use to help you answer those ‘what if’ questions of life and demonstrate the impact of various scenarios. By looking at your income and expenditure together with your liabilities, then showing what would happen under different circumstances, you will be able to see quite clearly whether you need to save more, spend less or retire later. It helps to bring your finances to life in a powerful way.

We follow a tried and tested process, taking the time to:

  • get to know you and your goals and ambitions
  • gather information
  • understand your existing financial position
  • present the resources available to you and our recommendations
  • agree on a plan with you and put it into practice

By providing a framework to your planning, we can ensure you maximise tax efficiency and receive value for money from your investments.

The Financial Conduct Authority do not regulate Inheritance Tax & estate planning.