Life’s financial journey

This is the building phase. You’ll be busy carving out a career or business, and you may have started to build a family too.

We will help you create a vision for your future and optimise your finances to help you achieve it. That may include identifying the most beneficial pension scheme to join, working out an affordable savings scheme to put down a deposit on a house and, when you’re ready to buy, securing a mortgage at a competitive rate.

Whether it’s your business, career or family, this is a time for growth. Your ambitions may also be growing as you create a vision for the life you want for yourself and those you care about.

Your thoughts at this stage may be turning to how to optimise the growth of your wealth, build the lifestyle you want, and protect it from any curveballs that might come your way.

These are busy years, a time when pressures may come from still having children at home while also having ageing relatives who require more of your time. We will help you navigate funding for education as well as later-life funding questions you may be tackling.

You may be starting to question your work-life balance and wondering if you can afford to make a change, relocate, or start over. We’ll help you understand what’s possible and how you’ll get from where you are now to where you want to be.

Your thoughts may now be turning to a time beyond the daily 9 to 5 when your pace of life can slow down. Of course, retirement means that while your life becomes free of work obligations, you’ll start drawing more from your pot than you’re putting in.

With that come worries about when you can afford to retire and how much you’ll be able to spend on the kind of lifestyle you want. Together, we’ll identify the lifestyle you want to live and create a roadmap to ensure you’re on track.

When you reach retirement, we want you to feel like you can relax. Peace of mind comes from knowing that your savings and investments are protected and will support you now and in the future. We will work with you to achieve this.

When your thoughts turn to passing on your wealth, we’ll provide answers to your questions about tax and advice on the solutions that will work best for you. After all, we’ll know you and what matters to you pretty well by now!