2019 Guide to Creating The Life You Want

Shaping your future and preparing for the road ahead

2019 Guide to Creating The Life You Want

In our guide, we consider the questions you may need to ask to shape your future. As we all know and experience, there are usually bumps in the road on every journey. Even the best financial plans and most experienced investors can’t always predict the complexities of life.

So the starting point for protecting, growing and passing on your wealth is to have a clear financial plan, linked to your lifestyle goals.

But your financial goals – which are likely to be the biggest, most life-changing goals of all – can all too often be put on the back burner, whether this is working out ways to build an investment portfolio, set up a business, retire early or leave your wealth to your family.

Good financial planning should be flexible enough to adjust to the unexpected. So identifying and setting your short-term, mid-term and long-term financial goals are an important part of the process towards becoming financially secure and independent.

If you’re not working towards something specific, you’re likely to spend more than you should, and you could come up short when you need money for unexpected bills, not to mention when you want to retire. To ensure that you have prepared for the road ahead, it is essential to create your own total wealth solution. It all starts by taking into account your financial needs, from wealth to investing to protection. Once you have identified your goals, the next part of the process is to build a bespoke financial plan and investment strategy to ensure that you achieve these.

Whatever stage of life you’re at, having a plan in place will ensure you can take advantage of the opportunities as they present themselves and prepare for any challenges that you, your family or business may face.

2019 Guide to Create The Life You Want: Plan for the life you want
2019 Guide to Create The Life You Want: Plan for the life you want

For those looking to make the world a better place, but not wanting to sacrifice returns or profits, impact investing aims to support… Read More »

2019 Guide to Create The Life You Want: Creating a total wealth solution
2019 Guide to Create The Life You Want: Plan for the life you want

No two people have identical financial circumstances, which is why it’s essential you have your own total wealth solution that meets… Read More »

2019 Guide to Create The Life You Want: Visualise your future
2019 Guide to Create The Life You Want: Visualise your future

Financial well-being ultimately comes from achieving financial security and independence. When you’ve reached a state of financial… Read More »

2019 Guide to Create The Life You Want: Establish financial and lifestyle goals
2019 Guide to Create The Life You Want: Establish financial and lifestyle goals

Evaluating your financial and lifestyle goals in greater depth is essential if you want to get a picture of your future… Read More »

2019 Guide to Create The Life You Want: Review your needs and goals
2019 Guide to Create The Life You Want: Review your needs and goals

You need to consider what you really want from your investments. Knowing yourself, your needs and financial and lifestyle goals… Read More »

2019 Guide to Create The Life You Want: Protecting wealth
2019 Guide to Create The Life You Want: Protecting wealth

A total wealth solution has no value unless it is properly implemented through an appropriate investment strategy. If… Read More »

2019 Guide to Create The Life You Want: Understanding investment risk
2019 Guide to Create The Life You Want: Understanding investment risk

If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with… Read More »

2019 Guide to Create The Life You Want: Maintaining a diversified portfolio
2019 Guide to Create The Life You Want: Maintaining a diversified portfolio

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is… Read More »

2019 Guide to Create The Life You Want: Investing in a fund
2019 Guide to Create The Life You Want: Investing in a fund

There are many reasons to invest through a fund, rather than buying assets on your own. At a basic level, investing in a fund means… Read More »

2019 Guide to Create The Life You Want: Pooled Investment funds
2019 Guide to Create The Life You Want: Pooled Investment funds

Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people… Read More »

2019 Guide to Create The Life You Want: With-profits funds
2019 Guide to Create The Life You Want: With-profits funds

If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a with-profits fund. These… Read More »

2019 Guide to Create The Life You Want: Investment trusts
2019 Guide to Create The Life You Want: Investment trusts

An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and sell a… Read More »

2019 Guide to Create The Life You Want: Stocks & Shares ISAs
2019 Guide to Create The Life You Want: Stocks & Shares ISAs

Individual Savings Accounts (ISAs) can be used to hold stocks and shares or cash, or any combination of these, up to the current… Read More »

Your dreams, ambitions and needs

Successful financial planning prepares you for every possibility. Once you understand your dreams, ambitions and needs, you can take action to make sure that becomes a reality. Life doesn’t stand still, so your financial plans shouldn’t either. To find out more, or to discuss how a comprehensive financial plan can support your lifestyle goals, please contact us.

To download the full guide please click here.

This guide is for your general information and use only, and is not intended to address your particular requirements. The content should not be relied upon in its entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of the content. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation are subject to change and their value depends on the individual circumstances of the investor. The value of your investments can go down as well as up and you may get back less than you invested. All figures relate to the 2019/20 tax year, unless
otherwise stated.