Financial Planning

"The future belongs to those who prepare for it today." Malcolm X 
 

Some BIG questions that need answering:

"When, precisely, can I afford to stop doing the things that have become a drag...and start doing the things I really enjoy?"

"What do I have to do to ensure I NEVER run out of money?"

"How much do I need to earn, save or sell my business for to give me what I want out of life?"

"Exactly what level of investment return do I need to achieve my objectives?"

And possibly the biggest question of all...

"How much is enough?"

 These are questions that need answering, and answering fast.  Life is not a rehearsal.

The Focus is YOU and what you want

The focus is you - on your goals, on your aspirations.  Through a process called Life Planning they help you identfy what's important to you, the things you want to achieve in your lifetime.  We then carry out a financial planning analysis.  Not only are the details of your income, outgoings, assets and liabilities considered, but resources that may become available to you in your lifetime.  This gives an accurate measure of your net worth and current and future financial situation.  We help you estimate the cost of the life you want to enjoy in years to come.

We use some software to put the two together.  It produces a dramatic picture, which spells out the reality of your financial future.  Suddenly you see it, understand it, and believe it.  We can then model realistic "what if" scenarios that will demonstrate the different outcomes you can create.  Many clients have found they can retire years earlier when they are armed with the truth about money.  Others learn how they can spend more now and still be financially secure for the rest of their lives.  Other clients identify what they need to sell their business for to be financially independent.

Finally, if your financial plan indicates that you need financial or investment products, then we are able to offer advice to identify products to suited to your needs.  But really that's the last thing - the plan should come first.

The 3 step process in summary is:

ADVICE

Establish where you are now and where you want to be, Identify any shortfalls, Consider options, Review, refine, amend tactics and commit to agreed actions

IMPLEMENTATION

Complete Agreed Actions, Handle all Paperwork, Check Successfully and Correctly Established, Record for Future Review

ONGOING REVIEW

Update changes to current circumstances and future requirements, Review strategy, Revise tactics and Implement updated agreed actions