Lifestyle Financial Planning

Money is a means to an end, not an end in itself. It’s what you spend it on – i.e., your lifestyle – that’s important. Lifestyle financial planning focuses on achieving your desired lifestyle first, money second.

WHAT IS LIFESTYLE FINANCIAL PLANNING?

Lifestyle Financial Planning is an approach to financial planning where our focus starts with you, not the money. It’s about making a financial plan that will ensure you can achieve your financial goals and maintain your lifestyle for the rest of your days.

WHAT’S INVOLVED?

STEP ONE: GET TO KNOW EACH OTHER

First we have a meeting to chat and get to know each other. Getting to know what your short and long term goals are, what you want to achieve and what your ideal lifestyle looks like will allows us to make a plan focuses on what’s important to you. 

Equally, you get to know us. This is a decades-long relationship, so you need to feel comfortable with us too.

STEP TWO: GET DOWN TO THE FACTS AND FIGURES

We investigate your financial life. We gather detailed information about your individual circumstances such as current income, expenses, future expenses, investments, and more. 

STEP THREE: FORMULATE A PLAN

Now we have the basis to work out how your current financial situation fits in with your goals and lifestyle. 

We use sophisticated forecasting software to see what your current situation looks like, and what that means for your financial future. Then we recommend changes and financial products that will help you maintain or improve your current lifestyle, and keep you in that lifestyle long term. 

STEP FOUR: TAKING ACTION

We think it is important to include you in the decision making process which is why we show you multiple projections and let you know why we recommend one strategy over another. We believe in transparency and if we believe we can’t add value to your financial life, we will let you know upfront, with no cost to you. 

STEP FIVE: ONGOING REVIEWS

Lifestyle financial planning isn’t a set and forget strategy. We are available to you when you want to chat and will have reviews at least annually to ensure you are on track and your plan is working for you. We will recommend changes as needed to make sure your lifestyle is maintained for the rest of your days.