When there’s a mortgage or rent to be paid, and the bills don’t stop coming, it can be hard to think about putting more aside for the years ahead. You may have children to provide for, education fees to pay, a career you’re still working hard at, or responsibilities caring for older family members; it’s a busy time of life. And an expensive one, too.

With so much competing for your time and attention, it’s understandable that building a nest egg and planning for retirement can slip down the agenda. But it really does pay to give it some thought now.

Clients ask us..

Can you help with a Buy-to-Let?

We work with first-time buyers, people who are remortgaging, moving home, looking to buy-to-let or arrange protection, and we’re proud to offer a bespoke service to each of our clients.

How can I protect my family if something were to happen to me?

We would all like to be able to protect our loved ones from the devastating financial impacts of sudden illness or death. We can help you find the most suitable cover and provide peace of mind that your family will be well taken care of should life take an unexpected turn.

I’ve inherited some money. What should I do with it?

Financial planning enables you to make the most of your money. We can help ensure you make the best possible financial decisions following an inheritance or lump sum payout.

Am I paying more tax than I need to?

We can ensure sure you get the most out of the tax allowances available to you and that you don’t pay more tax than you need to.

Am I on track to retire with enough money?

It’s the question we get asked the most frequently. How much is enough and will I have enough? Our four-step financial planning process and state-of-the-art cashflow forecasting tools will help you visualise and plan your ideal retirement.

Can I retire early?

Early retirement is the dream for many. Financial planning can help answer your questions and provide you with a roadmap to a comfortable, secure retirement at the earliest possible age.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Some Buy to let mortgages are not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

Benefits of financial planning in your 40s and 50s

You’ve likely achieved a lot with your life already, but how you prepare for your future now needs to come more sharply into focus. Whatever your aspirations and concerns, financial planning will help you:

  • Live your life to the full right now, whilst ensuring enough is put aside for your later years
  • Explore your pension options and ensure your current arrangements are working for you
  • Ensure you’re not paying more tax than you need to be
  • Protect your family’s future
  • Invest wisely to see maximum possible growth
  • Plan for retirement at a time and in a way that suits you
  • Achieve your long-term financial and lifestyle goals
  • Gain peace of mind and security

Start your journey

Whatever stage of life you are at, we are here to help you achieve your financial goals and gain financial security.


Understanding you







Get in touch

Drop by and we’ll pop the kettle on. Alternatively, send us a message and one of us will be in touch.