We offer a range of financial planning services that can be tailored to suit your needs.
Financial Planning
We’re more than just impartial financial advisers. We’re comprehensive financial planners. We use the latest forecasting technology to generate a bespoke financial plan that works for you and your future. As such, your financial plan will give you:
- Financial Peace of Mind – no more money worries
- Financial Independence – enough money so that you don’t have to work
- Financial Security – a backup plan for ‘what happens if’
Step 1
Your Financial Health Check
This provides an overall review of your financial health, looking at:
- What’s Coming In – salary, bonuses, dividends, rental income
- What’s Going Out – household, travel, lifestyle, holidays
- Assets – savings, investments, pensions, buy-to-let properties
- Liabilities – mortgage, car finance, credit cards
- Insurances – life insurance, income protection, critical illness cover
By the end, you’ll have a clear understanding of where you stand financially.
Financial Questions
It helps to answer the important questions, things like:
- Am I saving enough?
- Can my pensions and investments be improved?
- Will I be okay if something goes wrong?
- Can I reduce my tax bill?
The outcome of your financial health check will provide you with a really clear picture of your current financial position.
Step 2
Your Financial Life Plan
Your Financial Life Plan thinks about the future. It establishes:
One
What do you want to achieve?
Two
When you want to do it by?
Three
How to balance the trade-offs?
It challenges you to think different, think big.
Financial Master Plan
By the end, you’ll have your personalised Financial Master Plan. This will show:
Your Life Goals
defining what you want your future to look likeYour Number
how much do you need to put away to achieve the future you wantFinancial Freedom
a roadmap of how to achieve financial security and freedom
You will have a clear understanding of where you’re heading and a well thought through plan for achieving your financial objectives.
Financial Life Questions
It helps to answer some of your biggest financial questions. Things like:
Progress
are you on track to achieve your life goals?Funding
do you have enough to do everything you want?Resilience
will you be okay if life takes an unexpected return?Improvements
what can be done to improve your financial situation?
Step 3
Your Financial Action Plan
This is where you bring the future into the present so that you can do something about it now. Your financial action plan establishes:
- What steps you need to take to get where you want to be?
- When you should complete each of the steps and in what order?
- How to complete the steps whilst avoiding the pitfalls.
- It will provide you with a clear action plan for achieving your financial objectives.
Completing the steps is a proven way to achieving financial success.
By completing the steps, you will achieve financial success. You will have a plan for:
- Money Management – organised finances that are simple and easy to manage.
- Spending & Saving – clear guidelines on how much you can afford to spend and how much you should be saving.
- Smarter Investing – an investment strategy that makes your money work as hard as you do.
- Death & Disaster – a financial safety net that protects you and your family should the worst happen.
By the end, you’ll be in a much better financial position, on track to meet your financial goals.
PROTECTION
Life is uncertain, but having sufficient coverage can ease some of these worries. At Financial Planning Matters we will assess your risk and advise on the right protection plan for you and your family. From income protection in the event of serious illness to mortgage protection, we can put a plan in place that will give you peace of mind.
- Life Assurance
- Serious Illness Protection
- Income Protection
- Mortgage Protection
ARRANGE A COMPLIMENTARY ZOOM MEETING WITH OUR TEAM (15 mins)
INVESTMENTS
Knowing how and where to invest your money can be a minefield. You want to feel secure in the knowledge that your investment is safe whilst also working hard for you.
At Financial Planning Matters we will tailor a bespoke investment plan for you based on your life stage and your level of risk adversity. We can advise you on the best investment channel for you to reach your financial goals.
Whether it’s a plan to save for a house deposit, a better place for your children’s allowance or to simply outperform the deposit rates on offer, we have an option for everyone.
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PENSIONS
Your pension should be a priority no matter what your stage in life. People are living longer and want to continue to enjoy the same standard of living right through their retirement. So it is important to start planning today. What are your income goals for retirement? What can you afford to start investing on a monthly basis? These are some of the questions we will go through to determine the right pension for you.
- Consolidating your various pensions from different companies
- Starting a pension
- Providing a pension for your employees
- Retirement and retirement planning
- Spouse Pensions
- Early retirement and accessing your pension
- Getting Divorced – What do I need to do?
ARRANGE A COMPLIMENTARY ZOOM MEETING WITH OUR TEAM (15 mins)