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.

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

Tax Planning is not regulated by the Financial Conduct Authority.

Estate planning is not regulated by the Financial Conduct Authority.

What’s the purpose of your money? How much is enough and do you have enough for each stage of your life? 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 have spent years unnecessarily worrying if they have enough money.

There is a sad side to looking back on your life and realising you’ve got lots of money left over. Ask yourself this; 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 our 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.

Our Lifestyle Financial Planning Process & Software

The best way for us to add value to our clients is to understand them, their family and business as fully as possible. Only then will we be in a position to optimise their financial position over many years as their circumstances and objectives, tax rules, markets and legislation changes.

We use industry leading software to test, present and create goal based financial plans. Our objective is to help you achieve your hopes and dreams. Our software is developed by Voyant, an American company based in Texas and founded in 2006. They have more than 400 financial and capital management firms around the world using their software including well-known banks and financial providers such as Lloyds Bank and AXA.

Our Lifestyle Financial Planning Process

Benefits of Our Lifestyle Financial Planning Software:

Our software enables your Financial Adviser to show you in a visual representation, your overall retirement income needs, including your current and future needs. This includes looking at tax efficiency, inheritance tax planning and having funds in reserve for life’s unexpected events.

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

This graph shows the kinds of expenses you are likely to have in your Pre-Retirement and in your Retirement.

We can have a discussion about ‘What if’s…” and in real-time you will be able to see how your goals, hopes and dreams could become a reality.

We then agree your preferred lifestyle financial planning strategy, showing you visually the likely outcome of changes to your income, expenditure, assets and liabilities including your tax position.


This graph shows employment income (blue), state pension (orange), shortfall (red)

The Benefits of Lifestyle Financial Planning

The real benefit of Lifestyle Financial Planning is being to answer with some certainty questions such as:

  • When can I afford to make the decision to carry on or to stop working?
  • If I give some of my money to my children, will I still be able to live comfortably in retirement?
  • What rate of investment return do I need to achieve my objectives?
  • What is my estate’s likely inheritance tax bill, are there ways of reducing this?
  • What if……?

You can see a visual representation of your current lifestyle, the lifestyle you want as you get older and your desired lifestyle in retirement.