A different way of looking at your finances

 

With you every step of the way

Consulting, advising and supporting; our advice is focused on meeting your needs. But more importantly, we know that your needs are likely to change as you move through life and that our solutions need to be able to adapt.

 

It’s clear that there is no set formula to life, everyone's different and there are no pre-defined journeys. It’s difficult therefore to define a set of ‘life stages’ that are precisely relevant to everyone but we can apply some broad principles that will allow you to decide what is important.

 

 Use Tends to represent our earlier years when there is a definite trend towards enjoying life, and needing access to income, be it for property, a new car or for travelling.
 Grow  A stage in life where you become more focused on the future. Your thoughts shift to a bigger house, school or university fees for your children and planning for retirement.
 Distribute The time where you start to put plans in place for enjoying retirement and deciding how you would like your estate distributed.

 

These principles don’t necessarily follow in this particular order, and they may well overlap, but it’s likely that you’ll encounter some elements in each of these stages at some point on your life journey.

 

   
   
  • First home
  • Getting married 
  • Inheritance
  • Mid-life crisis
  • Starting work

  • Changing job

  • Moving house

  • Redundancy

  • Reviewing your retirement
        planning

  • Saving for school fees

  • Setting up a new business

  • Starting a family

  • Windfall

  • Working overseas
     

  • Divorce

  • Early retirement

  • Falling ill

  • Opportunities for travel

  • Retirement

  • Time for the grandchildren

  • Your own interests


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    Whatever your needs, and however often these change in line with developments in your life, we will be with you every step of the way.