Financial Planning: When might you need it?

The idea that financial planning advice is only relevant for a few very wealthy people is a common misunderstanding. Working with an Independent Financial Adviser at key times of your life can have a beneficial impact on your financial wellbeing. That saying, “we don’t plan to fail, but we fail to plan”, has never been more relevant.

Remember that financial planning is unique to your circumstances. Acting now can help you live the life you want to lead.

Here are some of the key areas that we can help you with-

Buying a home

A mortgage is often the biggest and most important financial commitment of your life.

Our team of experienced mortgage advisers are here to help you every step of the way. We can help you work out your budget to see how much you can afford to spend on your mortgage. We will look at all the mortgages available and recommend the best deal for you.

Starting a family

Our financial planners can help adapt to your changing circumstances. This may be looking at savings for your children’s future or reviewing health and life protection policies to see that they meet your new circumstances.

Investing for your future

A financial planner will help you set your financial objectives over the short, medium and long term. They will help you to understand your attitude to investment risk and help you plan accordingly to ensure you meet your financial goals.

Financial Planning when going through a divorce

To start with, going through a divorce is never easy. Your financial planner will help you understand how your financial position may change. You must understand how your circumstances may change so that you obtain a fair financial settlement. Furthermore, your adviser will help you plan your new financial life going forward.

The passing away of a loved one

After a bereavement, there is likely to be changes in your financial situation. Your financial planner can help you understand what choice you have going forward and help to resolve any immediate issues.

Coming up to retirement

Over the years our expectation for retirement may change. Your financial planner can help you build up a retirement pot in a tax-efficient way. Making a few adjustments now can have a major impact on what your retirement will look like.

Maintaining your family wealth

Passing your wealth onto the next generation is usually high on most peoples lists. A financial planner will help you move your wealth onto the next generation in a tax-efficient way while ensuring that you have enough money to uphold your financial security in later life.

How Anstee & Co can help you with your Financial Planning

Financial planning can provide security now and in years to come.

We are a firm of Independent Financial Advisers (IFA’s). This means that the advice we provide is unbiased. We feel that it is important that you understand the difference between independent and restricted advice. Restricted advisers will recommend only certain types of products or a range from a limited number of providers. Independent advisers like ourselves will recommend products from across the market.

Why not arrange an appointment today to see how we can help you? The initial, “getting to know you” meeting is at our expense and without obligation. Meetings can be arranged at a time and location that is convenient for you. So, this may be at your home, online or one of our meeting rooms located at-

• Kettering, Northamptonshire
• Bedford, Bedfordshire
• Market Harborough, Leicestershire
• Northampton, Thrapston and Wellingborough, Northamptonshire
• London, Greater London

If you have any thoughts or comments about this article, “Financial Planning: When might you need it?”, then please let us know.

Finally, the information contained in this article is for information purposes only and does not constitute financial advice. No action should be taken based on this information alone. Anstee & Co is authorised and regulated by the Financial Conduct Authority (FCA).