Your Life Stages: Accumulation Phase

Clients at this stage are likely to still have a mortgage, dependent children, car loans and possibly other commitments.

There will be ongoing expenditure from income and potential future expenses such as school or university fees, weddings or assisting children onto the property ladder.

It is at this time that clients begin to plan for the future, switch their focus from repayment of debt to creation of savings and begin planning towards retirement.

It is also possible that windfalls / inheritances or progression up the career ladder leads to increased income, bonuses or share options.

Tax consideration also become more relevant and there are potential financial stresses such as long term care needs for elderly relatives.

Areas to consider:

  • Individual Savings
  • Accounts (ISA’s)
  • Open Endend Investments (OEICS)
  • Bonds (Onshore/Offshore)
  • Unit Trusts
  • Pensions
  • National Savings
  • Tax and Estate Planning*
  • Wealth Management**

*Tax planning and Estate planning are not regulated by the Financial Conduct Authority
**Wealth Management is available to all clients at all life stages but is subject to minimum advice charges

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