· Navigate through life’s financial circle of wealth ·

We know that managing finances is about more than just investing and paying into pensions. It's about understanding the whole picture.

To begin the journey, please click on each of the 3 central icons below (to highlight the essentials, desirables, and all areas). You can also view the areas of life that may be relevant to you in more detail, just click on the age ranges surrounding the financial circle of life to see more issues that may be relevant to you. We can then discuss these at our initial meeting to agree your goals and ambitions.

Education
Travel
Career
Own
Business
Having
a family
Holidays
Borrowing
Personal passions
Building
wealth
Second
homes
managing
tax
worst case scenarios
voluntary & charity
Retirement planning
passing on wealth
dignity in
later life
0 - 19
20's
30's
40's
50's
60's
70's
80's +
Life's
Desirables
Reveal all
Areas
Life's
Essentials

· Child to teens ·

  • Child care costs
  • One offs - equipment
  • Extra accommodation
  • Medical care
  • Savings
  • Private education
  • Family holidays
  • Sport/hobbies
  • University fees
  • First car
  • Gap year
  • Allowance
  • Celebrations - 18ths
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· Twenties ·

  • First home
  • Weddings/divorces and pre nups
  • Extended travel
  • Starting a family
  • Early career
  • Educational debt
  • Independent holidays
  • Social calendar
  • Sport/hobbies/memberships
  • Budgeting
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· Thirties ·

  • Moving up property ladder
  • Second car or upgrade
  • Home improvements
  • Private healthcare
  • Saving for the future/retirement planning
  • Return to work
  • Wills
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· Forties ·

  • Second marriages
  • Career progression/change
  • Private healthcare
  • Retirement considerations
  • Family holidays
  • Marriage/divorce and pre-nups
  • Adult education
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· Fifties ·

  • Marriage, divorce and pre-nups
  • Celebrations
  • Strong retirement planning
  • Health risks
  • Elderly parents
  • Children's marriages
  • Grandchildren
  • Children on property ladder
  • Inheritance and tax implications
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· Sixties ·

  • Approaching retirement
  • Emotional changes
  • Personal development and learning
  • Extended travel
  • Inheritance
  • Family
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· Seventies ·

  • Enjoying retirement
  • Social calendar
  • Hobbies and past times
  • Getting around
  • Grandchildren
  • Health
  • Mobility
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· Eighties ·

  • Mobility
  • Health
  • Dignity, care and support
  • Getting around
  • Great grandchildren
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