Some people think financial planning is dull.
We think it’s exciting and liberating.
For us, money is a means to an end, a way to get the most out of life. To be able do that, you need to have enough money, which is where we come in. We work out what ‘enough’ is for you, and then how to get that – which is your financial plan.
With a financial plan in place, you’re free to stop worrying about money and the future and have the peace of mind, security and freedom to get on with living today.
Some of the benefits that come with a good financial plan
Order – in your finances as well as your life, by untangling your financial ‘stuff.’ Knowing where you are now is, in our opinion, always the best place to start.
Commitment – being accountable to someone else, us, means you’re much more likely to keep the financial promises you make to yourself.
Objectivity – working with us will help you to avoid emotionally-led decision making, while still addressing the important ‘what if’ questions.
Plan B – we can’t see into the future, but together we can anticipate some of life’s potential changes and challenges. Having a Plan B will help you to be better prepared for any curveballs life throws at you.
Knowledge – we work collaboratively, sharing information in a language you can understand, so you’re empowered to make informed decisions.
Partnership – we’re here for the long run, to review and update your plan, when it needs it, to help you achieve your goals.
Just some of the financial support we offer
It’s good to know your money is working as hard as you are. We can monitor your investments and suggest any improvements, to give you an optimal return and some welcome peace of mind.
‘‘How much is enough?’’ ‘‘When can I retire?’’ We can guide you through the pensions’ minefield, help you manage your income, advise on care home funding and help to ensure you get to live your retirement your way.
Will your legacy go to the people you want? We can help you to minimise your inheritance tax liability and explain the residence nil-rate band (RNRB). We’re happy to work directly with your solicitor if preferred.
Are you using all of your tax relief and allowances? We can check, plan ahead to reduce future tax bills, and tax efficiently manage your income and spending. We’re happy to work directly with you or your accountant.
Do you worry “What if…?” Do you know how much is coming in and going out? You may be more financially secure than you realise. We can show you where you are now on an easy-to-read graph and suggest improvements.
Need some jargon-free advice on wealth administration, family financial issues, children’s education, property purchases and insurances? If it’s about money, we can usually help. Call us and let’s have a chat.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.