Young families
It’s difficult to strike the right balance between money that you must spend today, with the money you need to save for tomorrow. You have many obligations to consider; along with your mortgage, there are childcare costs, education costs and the ever-increasing cost of running a family home!
As the children grow older, thoughts turn to retirement and how you can make sure that you will have the retirement that you want. However, children are living at home for longer. And parents are living longer, but tend to need more support. This means that you have many more financial obligations to consider in your financial plan.
As you start thinking about the next stage in your life, it’s really important that you ask yourself serious questions, such as:
- Am I saving enough now to retire when I want to - and how I want to?
- I’m not even sure what pensions and investments I have! How can I find out?
- Can we afford that ‘once in a lifetime’ family holiday?
- Can we afford to send our children to private school?
- Can I afford to stop working to care for my parents?
- Will we be able to afford to help our children onto the housing ladder?
- I want to continue working, but do I have to work this hard?
- How can I make sure my family will be OK if I die, or can’t work for any reason?
The answers are rarely straightforward and are often subject to outside influences.
How we help young families
We can help you find the answers. But before we do, we need to make sure that we thoroughly understand you. This isn’t just about understanding your wealth, it’s about how you want to live, both now and in retirement. So we’ll spend time getting to know you, face to face before we provide any financial planning advice.
Often the solutions will involve:
- Insurance – such as life and/or critical illness cover.
- Pension planning.
- Mortgages.
- School fees planning
The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.
To find out how we can help you to balance your spending today with your saving for tomorrow, please contact us for a no-cost, no-obligation meeting.
Why our clients love working with us
Having sought your financial services some years ago, I have always found your advice to be sound and the clarity with which you have explained my questions reassuring. I would like to take this opportunity to thank you for all you have done for me over the years and going forward.
During the years we have been with Kevin we have found you to be very accommodating. Any queries we have had have always been dealt with immediately, efficiently and sympathetically. We have no hesitation in continuing our relationship with you.
Kevin, I want to thank you so much for being ready to help me all of the time, especially when caring for my late husband and the time after his passing. I just want you to know how much you are appreciated.
Thank you so much, Kevin, for all your support and advice over the years. I wouldn’t be where I am today if it wasn’t for you.
We now know that we’re receiving proactive advice and that we have an expert keeping an eye on our finances.
How about a chat?
Error: Contact form not found.
