Services

Holistic planning looks at all aspects of your personal and financial life before creating a plan for your money.

Holistic financial planning is important because it provides flexibility and can align with your values. It can also help you prepare for unexpected life events and prioritize tax efficiency.

By taking a comprehensive view of your financial situation, we can greatly simplify your life. As planners we will help you create a plan that is easy to follow and that covers all your bases. This can save you time and money in the long run and provide you with peace of mind.

We will use cashflow modelling to help you make sense of your financial future. It will help you understand how your wealth and income may change over time, whether that be 5 years ahead, or 30.

We can forecast the outcome of different financial choices. For example, we can help you determine if you can afford to take a lump sum from your pension to travel now, if providing a financial gift to your children now would affect your future, or if you can take a larger income from your pension and still have enough for the rest of your life.

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

It can provide the reassurance of financial protection for you, your family, and your business associates.

A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.

Please be aware that this type of assurance is based on an assessment of the health of the applicant.

When someone talks about savings and saving money, they could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, for example, deposit accounts or term bonds.

Investing is what you can do with the savings you have created - if you are looking to generate a return on your money that is greater than what is already available to you through your savings instruments.

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.

A well-prepared pension plan which is regularly reviewed should go some way to providing you with your required level of income. It requires action as early as possible, so don't delay your planning. If you have already started, or wish to commence withdrawals, we can offer a full advisory service.