Financial Planning made simple

Many people spend more time planning a two week annual holiday than they spend on developing a financial plan that could last 20 years or more. This is surprising when two weeks represents less than a 500th of a percent, and retirement could last in excess of 34% of the average lifetime.

These same people start to consider financial planning much later in life, when they don’t have time on their side. Starting to think about financial planning earlier in life, makes it much easier to build a financially sustainable future.

We believe by having goals and objectives we can develop a financial plan that is personal to you, and help you prepare for retirement. Within the plan, we look at your individual circumstances taking into account all of your financial assets, liabilities and your attitude to risk. Whether you are looking at truly being financially independent or whether you are looking to be in the best possible position in retirement then we are able to help. Pensions are only one piece of the retirement puzzle; other pieces could include Individual Savings Accounts (ISA’s), Unit Trusts/OEIC’s and investment bonds and cash deposits. We aim to help you make the most of your assets.

At Retirement

Financial planning does not stop when you reach retirement. Once people are thinking of winding down, they need to plan the next stage of their life. Their assets they will need re-structuring so they can start to receive an income from them but they will also need to consider:

  • “What happens if I die will my partner be Ok? Does he/she need a lump sum or income?”
  • “What about the kids?”
  • “What about inflation, could I have coped the last 20 years with no pay rise?”
  • ”How do I get more income?”

If you are at this stage, we may be able to increase the value of your pension, make your income as tax efficient as possible, and obtain extra income from your investments or cash deposits. There are many ways we can help you with your financial planning throughout all stages of your life.

We have friendly, qualified financial planners situated at various locations throughout the UK. Our Head office is based in the heart of Sheffield and we have further offices in Manchester, Leeds, Oxford, Mansfield, Milton Keynes, Worksop and Cambridge.

People always turn to experts when they are not sure what to do. If you are ill, you go to the doctors. If you were planning an extension, you would call an architect. Therefore, when you are planning your retirement, you should call us.

We offer an initial consultation at our expense where you can find out more about the financial planning process and us. It also gives you an opportunity to discuss your financial goals and objectives in detail. If at this stage we cannot help you we shall tell you, however if we can help, and you would like us to work on your behalf we will agree the next steps.The choices you make about your future today can stay with you for the rest of your life. Contact us today for a free consultation to make sure you make the decision that is right for you.

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