We call this ‘foundational planning’ i.e. getting the basics right. We expect that you’ll be focussed on:

• Funding your lifestyle

• Savings advice

• Mortgage advice

• Individual Savings Accounts

• Learning how to manage your finances

• Find out more about our ‘Spotlight’
  service which could be an ideal fit.

At this point, there ‘here and now’ could well be:

• Tie’ing the knot, or putting down roots

• Aspiring to a larger property

• Professional development and recognition

• Perhaps with more disposal income to put to one side

At this point, there ‘here and now’ could well be:

• Funding education (a professional qualification)
  or school fees for children

• Providing for loved ones (income protection, life assurance etc)

• Pension planning – modifying and managing asset allocations

• Maximising the tax efficiency of your investments

At this point, there ‘here and now’ could well be:

• Teenage children – increasingly more depending
  and ready to strike out their own

• Reducing liabilities and paying down the mortgage

• Aspirational spend may be growing –
  more expensive hobbies or goods consumed

• Potentially a dual income household,
  with earnings capacity at its maximum

The ‘here and now’ is more likely to be about:

• Educational costs – this time university fees

• Optimising your tax liabilities through pension
  contributions and ISA portfolios

• Becoming more actuarial in managing assets and
  forecasting cash flows and lifetime
  budgeting exercises

At this point, there ‘here and now’ could well be:

• Children have flown the coup and are no longer
  ‘financial dependents’, (save for a house deposit!)

• Potential significant equity in property,
  resizing or even relocation thoughts

• Disposable income could be peaking

• Pension and investment consolidation

• Business planning, be it exit or succession thoughts

The ‘here and now’ could well mean:

• Estate planning and pre-retirement advice

• Lifestyle investing – considering market risks and
  reducing exposure to riskier asset classes

• Considering and maximising all allowances

• Retirement options: flexi-working arrangements, early retirement
  or a new career!

At this point, there ‘here and now’ could well be:

• Taking on new hobbies, maintaining current interests

• Property investment: a bolthole ‘away from home’

• Transitioning from gainful employment
  to a less ‘structured’ existence

• The next generation

The here and now means a different set of priorities than may have gone before:

• Inheritance tax planning

• Gifting to family

• Optimising your balance sheet to generate an income that
  sustains your lifestyle

At this point, there ‘here and now’ could well be:

• Living a healthy and comfortable life will
  be high on most people’s agenda.

• Personal health and provision for it

• Lifestyle considerations including
  current living / property arrangements

• Gifting monies to family

There ‘here and now’ means making the most of every day, but more importantly having put into place the arrangements that ensure your legacy is what you would like it to be:

• Placing assets into Trust

• Giving assets away to charity

• Ensuring wills are current

• Inheritance Tax Planning

• Ensuring asset allocations are still appropriate for their objectives

• Care fees funding