Early-Stage Financial Planning. They say it is never too early to start planning for your future. Most people these days are aware that they should contribute to a pension plan, whether through an employer’s scheme or one of their own choice. Also, the tax-favoured nature of ISAs are broadly understood and we all know that any excess funds or perhaps regular savings would be more tax-efficient if held in an ISA account.
On the other hand, many people who are at an early point in their financial trajectory need to balance out the costs of owning a property, possibly with a mortgage loan, alongside the expenses related to having a family and frequently have little excess resources to pay into their pensions or ISAs. For many, protecting the family against loss of income that might occur after an injury or illness to one or both major income providers is priority, over and above the desire to accumulate funds for the future.
One Four Nine Wealth’s advisers are skilled in this area and can advise on how to structure your finances and your planning to best advantage. Experience shows that many of our clients who are more established in their planning affairs with perhaps a greater asset base behind them offer to pay fees for children or grandchildren to enable them to make a start on their financial planning ‘journey’.
No matter what your needs, you can be sure that One Four Nine Wealth will be able to advise appropriately and cost-effectively. Find one of our experts closest to you and finalise your plans.