Lifestyle Financial Planning

A Different, Truly Interesting And Exciting Approach To Lifestyle Financial Planning!

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.

What’s the purpose of your money? How much is enough and do you have enough for each stage of your life?

Money is a mean’s to an end. We all need enough to live day-to-day and having healthy reserves provides security and comfort. However all too often we find that many of our clients amass more than they need and worry unnecessarily if they have enough money.

Yes the market and media can worry us periodically saying the state provides less, long term care needs cost money, house prices are going up, stock markets yo-yo and so on.

However there is a sad side to looking back on life with pots of money left over. Ask yourself; what would you have done differently if you had known this was always likely to have been the case?

The reality for many of our clients is that they can, and do, achieve so much more with their lives with the help of a very different approach to lifestyle financial planning. They achieve more of their ambitions and have a more rewarding life. They live life with less stress and greater peace of mind from having clarity about what is important to them and how they can achieve a life fulfilled.

We believe that until we properly understand our clients, knowing how they have got to where they are, what they value and what is important to them and why and what their future aspirations are for them, their family and others, we have no right to advise them on what to do with their money and how to plan for their future.

Our Lifestyle Financial Planning Process

We start as we mean to go on, being mindful that the best way to add value to our clients’ affairs is to understand them, their family and business as fully as possible to be in a position to optimise their financial position over many years as their circumstances and objectives, tax rules, markets and legislation change.

Why Cash-flow Planning And Gap Analysis Is So Important

We help clients clarify and quantify what they really want to achieve for themselves and their family over their lifetime.

We then model the potential options to see how their goals could become a reality. We then agree their preferred financial planning strategy, using market leading technology that projects forward a client’s income, expenditure, assets and liabilities including their tax position.

Only having done this, can we truly provide advice on what is the most appropriate solution for our clients’ money and budget.

As part of our service we can then advise on the following if relevant to their circumstances:

  • Personal retirement planning
  • Protecting the family against the implications of death, disability and illness
  • Investment planning including use of ISA’s, Bonds, OEIC’s, Offshore Bonds and other alternatives
  • Inheritance & Estate Tax Planning
  • Personal mortgages and buy to lets
  • Business Protection
  • Corporate Finance
  • Corporate Pensions

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

Tax treatment varies according to individual circumstances and is subject to change.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate buy to let mortgages

Estate planning is not regulated by the Financial Conduct Authority.

The Benefits of Lifestyle Financial Planning

  • One less thing to worry about
  • Peace of Mind
  • Security for the Family
  • Confidence in ability, motives, accuracy and timeliness
  • Trusted Relationship
  • Access to a team for reassurance and advice when you need it most
  • Time saving – you can delegate the paper, responsibility and worry
  • Being truly understood and being able to properly understand your financial position
  • Having a focus and clear plan