Straight Talking Chartered Financial Planner. Helping Individuals and Business Owners Build and Insure a Secure Financial Future.
If your adviser isn’t talking to you about mortgages, insurances, savings, investments, tax planning, profit extraction (for those business owners) and most of all your goals, are they even a financial adviser? 🤪 Yep I said it. Too often we see clients who just have a pension, who have a separate mortgage adviser and DIY’d insurance but they had engaged with a financial adviser, why, truth be told it can only be one of two things, the client thought they knew best (unlikely if you’re engaged with an adviser) or second the adviser just wasn’t that good! As we come to the end of the year we’re having loads of conversations with business owners whose company year end is 31 Dec, about moving money from the business to fulfil their life goals… if your company year end is December 31st and your accountant hasn’t told you your anticipated profit, have a word, you should be more engaged or they should. You can’t plan if you don’t know your numbers!! Too late this year but maybe let’s make a good start on 2025, you’d be suprised at what we can do. #FinancialEmpowerment #LifePlanning #FinancialPlanning #MoneyMatters #Gloucestershire #Gloucester
When it comes to ensuring your investments align with your financial goals, diversification is essential. We’re not just talking about spreading your money across different asset classes (though that’s important too). We’re talking about diversifying how you invest. A solid financial plan is built on three key pillars: 1️⃣ Knowing what you want 2️⃣ When you’ll need it 3️⃣ What it will cost With that clarity, you can align your investments accordingly: 💷 Tax-efficient investments that may need to stay locked away for 5+ years 👴🏻 Pensions to provide income when you stop working 📊 Medium-term investments that grow free of tax 🚨 Cash savings for emergencies Here’s an example: If you’re 30 and saving for a dream 40th birthday getaway, a pension wouldn’t make sense—you can’t access it in time. But holding that money in cash might not work either, as inflation could erode its value. Now think about all your life goals, the “plates” you’re spinning—this is where having multiple investment types can make all the difference. #FinancialPlanning #Diversification #LifeGoals #FinancialEmpowerment #LifePlanning #MoneyMatters #Gloucestershire #Gloucester
