A Guide to Lifestyle Planning

Helping you create the life you want

Lifestyle planning

Welcome to our Guide to Lifestyle Planning. Making provision for a secure future, be it for yourself, your family or your business, is one of the most important steps you will ever take. Changes in your circumstances or the effects of inflation will require you to regularly review and act upon your financial situation.

Whatever your goals are along life’s journey, we’ll help you keep them within sight. You may want to protect your wealth, grow it, or spend it in your lifetime. We’ll explore every aspect of your financial world, taking everything into account to create a financial plan that works for you.

In our guide, we look at why it’s important to understand your ambitions, your concerns and your investment attitude to create a joined-up approach that works as your priorities change and you go through different life events.

Creating a lifestyle planning approach should bring order and coordination to all areas of your finances, so you can achieve your lifestyle goals without fear of running out of money.

Supporting your lifestyle goals

In our guide, we’ll help you identify where you are today and where you want to be, and what process to follow to create a plan that helps you achieve what matters most in your life. To find out more or to discuss how a comprehensive financial plan can support your lifestyle goals, please contact us – we look forward to hearing from you.

Creating a financial roadmap
A Guide To Lifestyle Planning:
Creating a financial roadmap

No two people have identical financial circumstances, which is why it’s essential you have a custom financial planning solution that… Read More »

Unwritten goals are just wishes
A Guide To Lifestyle Planning:
Unwritten goals are just wishes

If you do not know where you are going, how will you know when you get there? This is very true about financial goals. You need to set… Read More »

Establishing your financial goals
A Guide To Lifestyle Planning:
Establishing your financial goals

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

Reviewing your needs and goals
A Guide To Lifestyle Planning:
Reviewing your needs and goals

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

Investment objectives – a lifelong process
A Guide To Lifestyle Planning:
Investment objectives – a lifelong process

A lifestyle financial plan has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got… Read More »

Understanding investment risk
A Guide To Lifestyle Planning:
Understanding investment risk

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

Maintaining a diversified portfolio
A Guide To Lifestyle Planning:
Maintaining a diversified portfolio

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

Investing in a fund
A Guide To Lifestyle Planning:
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 having a… Read More »

Pooled investment funds
A Guide To Lifestyle Planning:
Pooled investment funds

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

With-profits funds
A Guide To Lifestyle Planning:
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 aim to give… Read More »

Investment trusts
A Guide To Lifestyle Planning:
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 wide range… Read More »

Investment bonds
A Guide To Lifestyle Planning:
Investment bonds

Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a fixed… Read More »

Lifetime ISA
A Guide To Lifestyle Planning:
Lifetime ISA

The start of the tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This new type of ISA… Read More »

Stocks & Shares ISAs
A Guide To Lifestyle Planning:
Stocks & Shares ISAs

From July 2014, Individual Savings Accounts (ISAs) can now be used to hold stocks and shares or cash, or any combination of these, up to the current… Read More »

To download the full guide please click here.

The value of your investments and any income from them can go down as well as up. The value of your fund may be less than you paid in.

Before you choose a SIPP, make sure you understand its aims and risks. A SIPP requires active management and investment expertise. You should make
sure you review your investments regularly. You normally cannot take an income from your pension until age 55.

Laws and tax rules may change in the future without notice. The information here is our understanding in October 2017. This information takes no account
of your personal circumstances, which may have an impact on tax treatment.