We call this ‘foundational planning’ i.e. getting the basics right.
* Funding your lifestyle
* Getting onto the property ladder
* Moving on in the world professionally speaking
* Savings advice.
* Mortgage advice.
* Individual Savings Accounts.
* Learning how to manage your finances.
* Find out more about our ‘Spotlight’ service which could be an ideal fit.
Matters may have moved on, and your focus perhaps is elsewhere. We think this where you can begin to accumulate assets.
* Tie’ing the knot, or putting down roots
* Aspiring to a larger property
* Professional development and recognition
* Perhaps with more disposal income to put to one side
* Funding education (a professional qualification) or school fees for children
* Providing for loved ones (income protection, life assurance etc)
* Pension planning – modifying and managing asset allocations
* Maximising the tax efficiency of your investments
As you and your finances are more established, it’s increasingly important to focus on optimising your personal balance sheet, as your earnings potential is high.
* Teenage children – increasingly more depending and ready to strike out their own
* Reducing liabilities and paying down the mortgage
* Aspirational spend may be growing – more expensive hobbies or goods consumed
* Potentially a dual income household, with earnings capacity at its maximum
* Educational costs – this time university fees
* Optimising your tax liabilities through pension contributions and ISA portfolios
* Becoming more actuarial in managing assets and forecasting cash flows and lifetime budgeting exercises
At this point, your emphasis or priorities are likely to be retiring planning. Never a ‘goal’ in its own right, but providing for later life is an important matter to consider.
* Children have flown the coup and are no longer ‘financial dependents’, (save for a house deposit!).
* Potential significant equity in property, resizing or even relocation thoughts
* Disposable income could be peaking
* Pension and investment consolidation
* Business planning, be it exit or succession thoughts
* Estate planning and pre-retirement advice
* Lifestyle investing – considering market risks and reducing exposure to riskier asset classes
* Considering and maximising all allowances
* Retirement options: flexi-working arrangements, early retirement or a new career!
Preserving capital and maximising income streams will be a significant part of your plan.
* Taking on new hobbies, maintaining current interests
* Property investment: a bolthole ‘away from home’
* Transitioning from gainful employment to a less ‘structured’ existence
* The next generation
* Inheritance tax planning
* Gifting to family
* Optimising your balance sheet to generate an income that sustains your lifestyle
Preserving capital and maximising income streams will be a significant part of your plan.
* Living a healthy and comfortable life will be high on most people’s agenda.
* Personal health and provision for it
* Lifestyle considerations including current living / property arrangements
* Gifting monies to family
* Placing assets into Trust
* Giving assets away to charity
* Ensuring wills are current
* Inheritance Tax Planning
* Ensuring asset allocations are still appropriate for their objectives
* Care fees funding
We call this ‘foundational planning’ i.e. getting the basics right.
We expect that you’ll be focussed on:
. Funding your lifestyle
. Getting onto the property ladder
. Moving on in the world professionally speaking
But the ‘here and now’ is more likely to be about:
. Savings advice.
. Mortgage advice.
. Individual Savings Accounts.
. Learning how to manage your finances.
. Find out more about our ‘Spotlight’ service which could be an ideal fit.
Matters may have moved on, and your focus perhaps is elsewhere. We think this where you can begin to accumulate assets.
At this point, there ‘here and now’ could well be:
. Tie’ing the knot, or putting down roots
. Aspiring to a larger property
. Professional development and recognition
. Perhaps with more disposal income to put to one side
At this point, there ‘here and now’ could well be:
. Funding education (a professional qualification) or school fees for children
. Providing for loved ones (income protection, life assurance etc)
. Pension planning – modifying and managing asset allocations
. Maximising the tax efficiency of your investments
As you and your finances are more established, it’s increasingly important to focus on optimising your personal balance sheet, as your earnings potential is high.
At this point, there ‘here and now’ could well be:
. Teenage children – increasingly more depending and ready to strike out their own
. Reducing liabilities and paying down the mortgage
. Aspirational spend may be growing – more expensive hobbies or goods consumed
. Potentially a dual income household, with earnings capacity at its maximum
The ‘here and now’ is more likely to be about:
. Educational costs – this time university fees
. Optimising your tax liabilities through pension contributions and ISA portfolios
. Becoming more actuarial in managing assets and forecasting cash flows and lifetime budgeting exercises
At this point, your emphasis or priorities are likely to be retiring planning. Never a ‘goal’ in its own right, but providing for later life is an important matter to consider.
At this point, there ‘here and now’ could well be:
. Children have flown the coup and are no longer ‘financial dependents’, (save for a house deposit!).
. Potential significant equity in property, resizing or even relocation thoughts
. Disposable income could be peaking
. Pension and investment consolidation
. Business planning, be it exit or succession thoughts
The ‘here and now’ could well mean:
. Estate planning and pre-retirement advice
. Lifestyle investing – considering market risks and reducing exposure to riskier asset classes
. Considering and maximising all allowances
. Retirement options: flexi-working arrangements, early retirement or a new career!
Preserving capital and maximising income streams will be a significant part of your plan.
At this point, there ‘here and now’ could well be:
. Taking on new hobbies, maintaining current interests
. Property investment: a bolthole ‘away from home’
. Transitioning from gainful employment to a less ‘structured’ existence
. The next generation
The here and now means a different set of priorities than may have gone before:
. Inheritance tax planning
. Gifting to family
. Optimising your balance sheet to generate an income that sustains your lifestyle
Preserving capital and maximising income streams will be a significant part of your plan.
At this point, there ‘here and now’ could well be:
. Living a healthy and comfortable life will be high on most people’s agenda.
. Personal health and provision for it
. Lifestyle considerations including current living / property arrangements
. Gifting monies to family
There ‘here and now’ means making the most of every day, but more importantly having put into place the arrangements that ensure your legacy is what you would like it to be:
. Placing assets into Trust
. Giving assets away to charity
. Ensuring wills are current
. Inheritance Tax Planning
. Ensuring asset allocations are still appropriate for their objectives
. Care fees funding
Our advisers have an understanding of complex planning affairs, which may be global, and will work with you to understand what you want from life and how to structure your finances to best achieve that.
We will arrange custody of your assets at one of the world’s largest custodians, whilst you will be able to download our bespoke cutting edge wealth management app with institutional grade portfolio management.
