FAQ

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I’m worried that my finances are in a muddle and I haven’t saved enough for my retirement. I’ve never really looked at my finances before and I’m a bit scared.

Don’t worry, many people feel this way and with the real lack of financial education available it is not surprising. The best thing to do is take that first step by contacting us and we will go from there, one step at a time.

Is this too early to start thinking about my retirement?

It is never too early, and some parents even set up pensions for their children as a real head start for life. That is not right for everyone, but thinking about what your goals are for your life and how you are going to get there is very important and the earlier you start the better.

Is this too late to be thinking about my retirement? Is there anything that I can actually do now that would make a difference?

No it’s not too late, and yes, there are many different things to consider when thinking about your retirement. It isn’t all pensions and bus passes.

Shouldn’t I be able to look after my finances by myself?

Yes and no. If you had time to educate yourself on your finances, find out all about how everything works and then keep yourself up to date with the constant changes in markets, economy, legislation and product innovation and then actually take the time out of your busy life to sit down and go through all of your own finances, then the answer is yes. If this is not possible, then I would recommend seeking some help. I take it off your ‘to do’ list and make it done.

I’m ashamed that I have left my finances for so long. Will you help me to overcome this?

Of course. Many people have left their finances for a long time, either too busy or too worried to look at them or maybe both. The important thing is that you are ready to look at them now and we can go from there. We will look at everything and put together a plan for your future that is unique to your situation and life. It is never too late and you might be pleasantly surprised like some of my clients have been.

Do I need to have all of my information together before I speak to you?

No. I have worked with people who have all of their finances in order knowing exactly what they have, to people who have had all of their financial information in a big cardboard box that they have put together from various places at home. I love working with both.

Some people are clear on what their goals are in life, others aren’t. It is part of my role to help you to think about what is important and what you would like to do with your life, even if you haven’t thought about this properly before.

I have recently become single again as my husband/ partner and I have split up. I have never dealt with the finances before. What should I do and where do I start?

This can be a very difficult time as you have always relied on your partner for their financial knowledge. Now is a great time to take control of your finances and explore what you want with your life and how your finances are going to get you those things. You may be feeling vulnerable and not understand the various things that your solicitor may be discussing with you and what is best for pensions and how you can protect yourself financially. Getting good advice that suits you and your situation is vital. Somebody who can hold your hand through this particularly difficult time, guiding you on your options and looking out for you. I can help you to do this.

My kids are very young, and university / wedding / buying a house is a long way off, but should I start saving for their future now?

Yes. The earlier you start the more time you have to build up a pot of money for them to use in the future, regardless of how far away it may be.

If you saved £50 each month from when they are born to when they are 18 years old, you could have over £17,000 if it grew by 5% per year. Imagine if you saved more?!

Is there a way to make this very straight forward and simple?

Yes. Just come and talk to me about yourself. It’s as simple as that.

What does it involve and will this take lots of time?

Once you have decided to invest in you and your finances then it’s really straight forward:

Discovery Meeting

This is our exciting first meeting where we find out all about you and your family – your goals, aspirations, and current reality. We focus on you and what your values and beliefs are and what you want to get out of your life. We explore what you really want to do with your future, even if you have never really thought this all through before.

1½ hour meeting

Financial Planning Meeting

This is where we go through your unique financial strategy. We see exactly where you are now and how this relates to your goals and plans for your future.

We will have analysed your financial information using market leading financial planning and investment software and put together my recommendations for how you can get your finances to help you achieve your goals and dreams. We look at any existing policies that you might have, including pensions, investments and protection and how these fit into your overall plan.

We will go through all of this, explaining our solutions clearly so that you can decide what you would like to do next to secure your family’s future happiness.

2 hour meeting

Peace of Mind Meeting

This is where we start to implement your recommendations, starting you on your journey to achieving your goals and giving you peace of mind.

1 hour meeting

Annual Progress Meetings

We now continue to check the progress of your financial plan with the changes in your life, making sure that we are continuing to work towards yours dreams, with all of the highs and lows along the way, adjusting your plan when it is needed.

2 hour meeting