Lifestyle Planning


Have I saved enough? When will the mortgage be paid off? What happens if I need long term care? Will my heirs end up paying Inheritance Tax? There are many factors that can affect your wealth during your lifetime. We have the tools and the expertise to help you understand the impact of life events on your financial plan.

When we meet with clients, our highest priority is to understand your needs, your goals and your aspirations. No one solution will be appropriate for all clients so our advice is individually tailored to you. Importantly, we re-examine your circumstances at every review to keep your plan current and relevant.

  • We use cashflow modelling to show you how your wealth may grow over time and to demonstrate the effect that changing circumstances may have on your planning.
  • We map a timeline that accounts for those extra expenses such as school fees or weddings and identify what action is needed to meet any shortfall.
  • We adjust your overall financial plan at each review to ensure that your objectives are still on track.
  • We ensure that opportunities presented by changing legislation are explored and that new pitfalls are avoided.

The value of your investment can fall as well as rise and you may get back less than you have invested.

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