About you

Making Commitments

You might be at the time in your life where you’re getting a place of your own, moving in with friends or a partner, or getting engaged. Now could be a good time to consider budgets and spending plans.

These saving habits will stay with you, and may dictate whether you spend a lifetime saving, or simply repaying debts.

These early years of independent living are crucial in your future planning.

Building a foundation

During this period of your life you may be getting married, owning or renting your own home, changing jobs, starting a family or setting up your own business. The freedom of your earlier years may well seem like a distant memory.

If you’re starting a family you may want to make contingency plans in the event of personal tragedy, either for yourself or your partner. You may want to make a will.

Financial decisions can be quite daunting, we can guide you through the various choices available.

Approaching Retirement

With your mortgage repayments most likely no longer taking up the majority of your money, your disposable income is likely to be higher.

Your earnings may be heading to their peak, with increased financial options open to you.

We can help you review your existing financial situation and reach a realistic assessment of your likely needs, helping you put the right plans in place. Though of course you still need to plan for the unexpected, like redundancy, illness or moving house.

In Retirement

Retirement will offer opportunities for new challenges and activities now that you have more time. A well-constructed financial plan will enable you to achieve the type of retirement you want and allow you to enjoy your life, without worrying about the future.

It’s a time when you might consider your children to be no longer financially dependent on you, or you may now find yourself in a position where you want to help them out with their mortgages and other commitments. This could also be the right time to consider Inheritance Tax planning and to discuss methods that minimise this tax burden.

You may also want to consider how you will support your family and pay for the additional care requirements if you become ill, or how you can pass on your wealth.

Security in retirement is possible, but will need careful planning. Even the best of portfolios can disappear quickly if no thought or consideration is given.

Now is the time to fulfil all those promises you made whilst working. For example, many people would like to travel in their retirement, but not all are financially able to do so.

Regular meetings with your financial adviser can help to ensure that in your retirement, you achieve what you’ve always promised yourself.