Your life stages

The one thing certain in life is change. Exciting personal milestones are as inevitable as challenging life transitions.

As daunting as that can seem, the key to success is simple: preparation, for anything and everything that may come your way. Your financial plan must be agile enough to adapt to any bumps in the road.

Below we’ve detailed the ways we will help you stay on course at each stage of life.


Getting started on life

As exciting as the early years are, it can also be emotionally and financially demanding time for new parents and grandparents.

This stage can feel like a bit of a wake-up call. The need for financial organisation can feel more pressing than ever before.

We’re here to help navigate things. We can help you set up life insurance and income protection, as well as ISAs so that you can save for your children’s future. You might also want to discuss paying for educational fees at various stages of the child’s life. The sooner you start planning the better, to ensure we can take full advantage of the investment opportunities available.

As well as getting the important financial infrastructure in place, we’ll be here to coach and guide you as you build the best life possible with your new family. Whether you’ve got questions about your work-life balance, family travel plans, or buying a new car, we’ll be here to give you clarity.


In your 20s

Life in your 20s can be incredibly stressful. There’s so much to juggle as you balance the start of your career with other demands and ambitions.

Our philosophy? As demanding as your 20s can feel, this should be a time for fun and adventure!

We’ll be here to help keep it as stress-free as possible, so that you can focus on the important thing: living your best life.

We’ll ensure you have proper financial arrangements in place and help you strike the right balance between spending and saving for the future. We’ll place your goals and aspirations at the heart of our financial planning, so that you have the freedom and confidence to enjoy life without worrying too much about money.


Mid-life check in

Now is the ideal time for a financial check-in. Whilst you’re likely at the peak of your earnings career-wise, life can still bring unique challenges your way.

Perhaps your elderly parents now need care, whilst your children at university need financial support; you’re somewhere in the middle, trying to carefully balance your responsibilities. Your mortgage may not yet be paid off and you might have no idea how much your pension pot is worth. Maybe you’re ready for retirement; maybe you can’t imagine life without work.

In the midst of the daily grind, it can be difficult to find the time and space to think about your goals and aspirations beyond work and financial worries. That’s where we come in.

We can help you check in with both your finances and your life. We’ll ensure your financial arrangements are fit for purpose and serving you well for the future.

We’ll make sure you’re prioritising the right things, whether that’s your mortgage, your children’s education or getting to the retirement finish line. We’ll analyse your pensions, savings and investments and create a roadmap for you so that the things you’re currently worried about can take a backseat.


Coming up for retirement

Today there are more choices than ever available to people approaching retirement. Whether you see yourself working part-time for a while, or moving straight into life beyond work, the real question is: what sort of life do you want to live?

It’s easy to get caught up in the value of your pension, but the key to retirement planning is thinking deeply about what a fulfilling retirement looks like for you.

We can help you do both. Not only will we establish the income you can expect to have, but we can also help you make your ideal retirement possible. We’ll first identify what you want to do and achieve, then we’ll create a plan that enables you to do so.

This includes your retirement date, as well as the type of retirement you take; we’ll customise your plan to fit you and your goals. We’ll then check in regularly and ensure you can cross the retirement finish line with confidence.


In retirement

Life doesn’t slow down after retirement. In fact, you may find that you’re busier than ever before once your time is yours to enjoy to the full.

Nevertheless, ensuring your income can support you for the rest of your life requires careful planning. Not only that, but ensuring you’re living a fulfilling retirement is so important for your wellbeing.

First, we’ll ensure you’re spending sustainably so that your money lasts the rest of your life. We will also assess any Inheritance Tax issues and help you leave a legacy behind for your family if that’s something you want and are able to do.

Most importantly, we’ll place your retirement goals and aspirations at the heart of your plan. So, whether you want to visit Japan, teach piano, learn a new language or start a new venture, that’s what we’re going to prioritise. It’s never too late and we’re here to help you.


Later life

There are lots of issues and anxieties that can arise when we start thinking about planning for later life. Whether it’s yourself or a parent that is reaching later life, you just want peace of mind that everything’s going be okay.

Having a well-structured, fully informed financial plan is the key to easing those worries. We will ensure that you can continue to live confidently, safe in the knowledge that the financial side of things is taken care of.

We’ll first analyse your situation and ensure you’re spending in a way that is sustainable for the rest of your life.

We may find you have an Inheritance Tax issue, which we can then help to mitigate. We’ll also cover estate planning and ensure you have a will and a plan for your assets in place. The potential cost of care is something we can also discuss; we’ll walk you through all the options so you can choose those that feel right for you and your family.

We’ll do this with sensitivity and care, with your wishes at the heart of every decision. As daunting as later life planning can feel, talking about things with your loved ones and a financial planner can ease your worries and enable you to enjoy life to the full.

Hear from our clien ts

It's hugely reassuring for us, knowing Mark's looking after our financial affairs.

Ed & Jenna

It's extraordinary the changes that have been wrought thanks to Mark.


If it wasn't for Mark, I wouldn't feel as confident going into retirement as I do.