Your career is starting to accelerate and you’ve got a mortgage on your first home with a bit of help from the bank of Mum and Dad. Your income is on the up and you may be already planning on setting up your own business. But life is hectic and words like Financial Planning and pensions are rarely front of mind. But this is the age when being smart about your long-term future can pay real dividends later in life. With the power of compound growth, investing even relatively modest amounts of disposable money on a regular basis can have a huge impact on your future wealth.

Your wild nights, if not behind you, are now more infrequent and you’d rather be out cycling or meeting your friends on a Sunday morning than nursing another hangover. You may have a long-term partner. You may be married or thinking of marriage. And you may also have started, or be thinking about starting a family. Your career or business is really taking off and you’re making good money, and you may have received a small inheritance. Yet life suddenly looks a lot more expensive. This is a time when you’ll be asking: How much can I afford to put away for my future? Should I be investing, and if so, what should I be investing my money in? How do I protect my family if my career was interrupted? Making the right financial decisions now will help you build a brighter future.

You’ve made big inroads towards paying off your mortgage and possibly invested in a holiday home or buy-to-let property. You’re still paying for your children’s education but can see light at the end of the tunnel. Your career is near its peak or you’ve begun to think about selling your business. You and your partner have started contemplating a future of being empty nesters and escaping the rat race. This is the time of life when it’s key to be planning your retirement. To be asking questions like: Am I saving enough? Can I afford to fulfil my lifelong ambitions? From optimising pension and ISA allowances to predicting your future outgoings, our role is to help you achieve financial freedom. The freedom to choose the future you want.

Your mortgage is paid off, the kids have gone, you’re tired of your job and you’re asking yourself what’s next? Is this the time you start that business you’ve always dreamed of? Do you put your feet up and get your handicap down or are your friends all still working? Not so long ago many people would have retired quietly, but attitudes have changed. This can be a time to kick off an exciting new chapter. It’s also a time to get your finances in order. You’ll need answers to key questions like: Can I afford to retire early? Will I be able to maintain my current lifestyle? Have we got enough to help support our kids? Will I need to support my parents if they go into care? What’s the best way to take an income in retirement? Should I be planning how to reduce Inheritance Tax? As you could potentially live another 50 years, this is a crucial time to seek financial advice to ensure you’re able to maintain your lifestyle and fulfil your goals.

You’re financially independent. You only work if you want to. You’re focused on working through your bucket list. Life is good, you have time to do the things you always wanted to do and time to spend with friends and family. It’s also time to start thinking about how you pass on wealth to your family, friends or charitable causes, rather than the coffers of HMRC. However, passing on your wealth is often as complex emotionally as it is financially. Will I leave an Inheritance Tax liability? Do we treat our children or family members equally? Should we gift money now when they need it most? Whatever your questions, or goals for your money, getting financial advice will help you transfer your money in a way and at a time that will create maximum benefit for your beneficiaries.