Lifestyle Planning
Lifestyle Financial Planning
Telling you the truth about money
It's a fact that the majority of people have no idea where they are heading financially. They may have assets, investments, and/or high levels of income, but most people have no idea what it all means, or where they are heading. That is because the majority of financial advisers lack the necessary tools to demonstrate to clients 'what their future looks like' - quite simply they are guessing about their clients' future. They focus their attention on 'products' rather than REAL solutions that give clients what they want out of life.
More importantly, they fail to answer the BIG questions which really need answering.
Questions like:
- "When, precisely, can I afford to stop doing the things that have become a drag...and start doing the things I really enjoy?"
- "What do I have to do to ensure I NEVER run out of money?"
- "How much do I need to earn, save or sell my business for to give me what I want out of life?"
- "Exactly what level of investment return do I need to achieve my objectives?"
And possibly the biggest question of all...
- "How much is enough!?"
These are questions that need answering, and answering fast. Life is not a rehearsal.
Lifestyle financial planning puts the focus back on you - on your goals, on your aspirations. Through a process called Lifeplanning™ I will help you identify what's important to you and the things that you want to achieve in your lifetime. I will then carry out a financial planning analysis. Not only are the details of your income, outgoings, assets and liabilities considered, but resources that may become available to you in your lifetime. This gives an accurate measure of your net worth and current and future financial situation. I will use this to help you estimate the cost of the life you want to enjoy in years to come.
I use very sophisticated software, called Truth™, to put the two together. It produces a dramatic picture, which spells out the reality of your financial future. Suddenly you see it, understand it, and believe it. Together we can then model realistic "what if" scenarios that will demonstrate the different outcomes you can create. Many clients have found they can retire years earlier when they are armed with the truth about money. Others learn how they can spend more now and still be financially secure for the rest of their lives. Other clients identify what they need to sell their business for to be financially independent.
Finally, if your financial plan indicates that you need financial or investment products, then I shall be able to offer advice to identify products suited to your needs.
The value of investments and pensions can fall as well as rise. You may get back less than you invested.