Inflationary impact on finances

Consider other options to make your money work harder

Financial planning is a journey that spans your entire lifetime and it centres around where you are now, where you want to be and your values. Your financial plan is the roadmap that gets you there, and it can only be created once we truly understand your vision.

Making more of your money

Tax-efficiency is a key consideration when investing

As your income increases, the complexity of your finances may too. Tax-efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life. However, the type of investment and tax-efficiency you should be looking for depends firstly on whether your priority is to save a lump sum for the future or to draw an income today.

Building an effective long-term strategy

Investors need to follow a number of key principles

It’s not surprising that the world of investing can seem complex, especially in the current global economic climate. Investors face an endless supply of market news, many investment choices and often-changing market conditions.

Getting your retirement finances in order

Ensure you have a comfortable and enjoyable retirement

As you approach the last five years before your retirement, there will be a lot of things to consider. You’ll need to think about your finances, your health, your housing situation and your plans for the future to live comfortably in retirement.

Boost your retirement income

Grow and protect your pension, both now and in the future

For most, retirement will be funded in the main by a pension. It is therefore vital you have a robust plan in place that will allow you to grow and protect your pension, both now and in the future.

Financial resilience

Protecting what is important to you

When it comes to our money and our plans, it can be hard to balance short-term wants, long-term dreams and those unexpected events that are out of our control.

An essential part of your plan

Financial protection for you and your family

When you are off work due to an illness or injury, worries about how you are going to pay your bills can make an already stressful situation worse. So much so that many people are finding themselves in the very difficult position of having to put the need to earn money over their health by continuing to go to work, even when advised not to by a doctor.

Complex risks in life that we all face

Understanding what options you have are key parts of the protection planning process

There are various complex risks in life that we all face, such as serious illness, an accident or death. What would happen if something were to happen to you? Would your family be able to cope financially with the impact an unexpected event might have?

Long-term care

Face the future with confidence

As we get older, many of us will need help looking after ourselves. But what are the options when it comes to paying for long-term care?

Managing your estate and assets

Key part of putting your affairs in order later in life

This is an important part of wealth management, no matter how much wealth you have built up. It’s the process of making a plan for how your assets will be distributed upon your death or incapacitation.