Planning Pathways

Life Stages Planning

Those early years are when good financial habits should start. Whatever you put aside for your (grand)children in the first 20 years (or were put aside for you) will have the biggest impact of all.

From 20 to 50 it’s about being sensible – not too much debt, put aside first, spend second, make sure those you love are properly protected should tragedy strike.

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.

Retirement Planning

Transitioning from the work force into retirement can be an exciting, novel and even scary time, but putting a retirement plan in place will help ensure you face this new phase in your life with less uncertainty.

Financial Specialists

Financial planning is more than just investment management. Just as your car’s engine is an important part of your car but not the only important part, investment management is one of many crucial components that come together to create a strong and clear financial plan for your future. A financial plan, like a car, is about getting you from where you are now to where you want to be. 

Pension Planning

Pension planning is a big consideration when you plan your retirement. The aim is to take steps to ensure you have enough income to retire with the lifestyle you want. There are many aspects to pension planning, and you should consider them all, and consider them early. You will be in a better financial position the sooner you take steps, rather than waiting until state pension age (or after).

Estate Planning

Estate planning involves putting your affairs in order now to make it easier for your loved ones when you’ve passed. You can relax knowing everything will be taken care in the manner you wish, and you are leaving your family members with more clarity and less stress. 

Inheritance Tax

Inheritance Tax (IHT) is a tax imposed on the estate of someone who has passed away. The deceased’s ‘estate’ is the value of everything that person leaves behind, including cash, investments, belongings, and property. 

Some people don’t realise that a large proportion of your wealth, including property and even family heirlooms, may need to be sold to cover the tax bill when you pass. 

Investment Planning

To make a strong investment plan, you first need to know why you are investing. Are you investing so you can have a comfortable retirement? Or perhaps you want to have security in where you live and don’t want to rent anymore. Having a clear ‘why’ will help you stay focused and motivated.