Lifestyle Financial Planning

How much is enough?

Rather than just look at our pensions alone, Adrian enlightened us to the importance of lifestyle financial planning. Until then, planning for the future had been quite an abstract thing for us.

Chris & Sass Lawrence

Most people seek financial advice and support when they are faced with a life change. For some the change is sudden, for others it is more measured. You may be facing loss or redundancy, approaching retirement or wondering how to handle later life care either for yourself or someone close to you. You may just need more control of your pensions and investments, ensuring they are working effectively for you.

Whichever life stage you are in, knowing how much money you need to maintain your lifestyle throughout your life is crucial to you feeling comfort and in control. We take the guess work out of what tomorrow looks like, addressing three core life scenarios: the default – living a long and healthy life; and the less pleasant but very real alternatives – living a shorter life and the challenges of taking care of your family and possible prolonged ill-health, with the attendant impact to maintaining financial stability.

Uncomplicated, practical recommendations

Before we talk about money, we take time to consider your whole situation, your lifestyle needs and your priorities.

Once we have an UNDERSTANDING of your needs, goals and individual concerns our recommendations will be tailored to suit your specific circumstances. Our goal is to optimise your outcomes, providing a clear strategy for you to live the life you want for the rest of your life without the fear of ever running out of money, identifying the options available to you and highlighting the strategy that will provide you and your family with the peace of mind to do the right things.

Our recommendations will be presented to you in a clear, uncomplicated way, forming the basis of your Lifestyle Financial PLAN.

Working together we put the plan into ACTION, effecting the changes identified to turn your immediate, medium and longer term objectives into realities.

To accommodate interim changes and external influences we will work together and MANAGE your plan forward on a regular basis, ensuring that it continues to reflect the outcomes that are important to you and your family.

Ongoing up-to-date knowledge and expertise

Change is a certainty, creating opportunities and potential threats to your plans, so the team at HarperLees keeps up-to-date with changes and developments across taxation, legislation, product design, investments and regulation. Our ongoing attention to changes ensures that your plan remains on track.

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