If you are looking at your own, ‘personal’ finances, your journey will have a number of potential roads ahead.
The best way forward will, of course, depend on where you are right now and where you want to get to. That’ll mean asking you a lot of questions and doing a lot of listening.
BUILDING A FINANCIAL PLAN
With a more in-depth understanding of your income, your debts and any savings or investments you may have in place, we can start to build a plan.
Typically, this will mean looking at the key landmarks for you in the years to come. We’ll look at where you want to live, how long you want to work for, when you want to retire and the plans you want to make for the future. We’ll also explore the risks that could stop you from making headway and the events that could require a change of plan.
PREPARING FOR RETIREMENT
Ultimately, we want to help you reach a place where you can live without worrying. That means building a retirement plan that is tax-efficient and sustainable.
ready to begin your journey?
Let’s Make Headway
Yes, there’s a lot to take into account. And there are no easy short-cuts. Which is why we’d love to start making Headway. Let’s get talking and develop a financial plan built entirely around your needs and plans for the future.
SOME OF THE QUESTIONS WE’LL ASK YOU
Helping you manage your finances for your journey isn’t something we can cut-and-paste. No two professionals are the same, even if they’re doing a similar job for a similar salary. By chatting to you, we’ll be able to understand your financial goals and desires and how best to support you. So we’ll ask a range of questions including:
- How long do you want to keep working for?
- At what age would you like to retire, and how much do you need to enjoy that retirement? How can you maximise your workplace pension and employee benefits?
- How can you lower your tax rate?
- How are you saving and investing right now (if at all)?
- Do you have a plan to diversify your funds across different types of investment?
- Do you own a home? When would you like to be mortgage free?
- What sort of events could stop you from earning?
- Should we make contingencies for positive changes in your circumstances (like a new business, a family or potential inheritance).
Financial Planning for Busy Working Professionals
No matter what stage you are in your career or what profession you are in, our financial advisers can help you identify and define your financial goals and what your desired lifestyle is by understanding what matters most to you.
Don't Speculate. Start Planning Your Financial Future
The media will lead you to believe in the latest investment fad or get-rich-quick opportunity. However, historical data shows us that speculation is never the answer. Speculation and investment forecasting is largely attributed to luck rather than skill.
Are You Aware of Your Financial Issues And Opportunities?
Did you know that 39% of UK adults (20.3 million) don’t feel confident managing their money; yet many are unaware of their financial issues and opportunities.
WAYS WE CAN SUPPORT YOU AS A PROFESSIONAL
Building a financial plan around your needs.
ViewManaging your cash savings and investing in stocks, shares, property, ISAs.
ViewPension planning, pension consolidation, pension finding and managing your pension contributions.
ViewAdvising you on income tax, inheritance tax and capital gains tax plus investing tax efficiently (ISAs and pensions).
ViewResidential mortgages, commercial mortgages, buy-to-let mortgages and remortgages.
ViewIncome, critical illness and life insurance.
ViewA retirement plan to allow you to relax and enjoy your later years in the UK or abroad.
ViewWill writing, trusts, estate planning and administration.
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Capital at risk. Your home may be repossessed if you do not keep up with repayments.
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