Thinking of investing in a financial plan, or curious about how to organise the next stages of your life? We help people to achieve their dreams by finding out what they care about and using 5 integrated steps to manage, grow their wealth and provide them with the future they desire.
Have you considered what you want to achieve in 2, 5,10 or 25 years time? If the answer is no then you're not alone. Research has shown that over half of adults in the UK plan their lives only days or weeks ahead, with one in five people having no financial goals at all.
We all look forward to the things we plan, whether it’s a birthday event, a holiday or a new car. They’re opportunities we see as a reward for hard work. Yet planning big events like moving house, changing job, starting a business or finishing work altogether can seem like an impossible task. Where does one start?
Can you imagine what would happen if you could pinpoint your goals so they come alive, so you understand what they cost, when you will achieve them, and most importantly, why they are so important to you?
What if every action you took was purposely designed to move you towards your goals? Would that increase the possibility that you will achieve them?
That’s exactly what a financial plan can help you achieve. We use Values-Based Financial Planning, a proven process to help you to explore what’s important about money to you, and to clarify and define your goals in detail. It’s a process that hundreds of our clients have used to transform their financial futures and their lives. And it’s available to everyone.
As your Financial Plan builds, you’ll begin to get your entire financial house in perfect order. We’ll help you implement five key steps to get on track and stay on track.
Andy Jervis is a Director of Woodgate Financial Planning and a highly experienced Financial Planner. He has witnessed first hand the effect that following these principles can have on people’s lives. “I’ve worked with some of our clients for many years, and over that time I’ve seen people achieve things they never believed possible. Great financial planning is a lifelong journey, not a one-off transaction, and by making lots of small adjustments over time, all focused on the end goal, it’s amazing what anyone can create,” he says.
“What I find inspiring,” Andy goes on, “is the sense of peace and control that enters people’s lives when they are on top of their money. Although goals can sometimes take years to achieve, the benefits of working with a skilled planner are immediate and very real.”
To simplify your Plan and make it do-able we break it down into five key areas for action. Here’s how each of the five focus areas can help you.
What could stop you from achieving your goals?
This is the first part of your Plan and will centre around analysing the risks in your financial life and dealing with them. When the inevitable storms arise, such as illness, family issues, stock market turbulence or job loss, you’ll be well prepared and able to face the future with confidence.
Budget, Debt & Tax Planning
How will you organise your money and repay your debt?
We'll look at how much money you need to live the lifestyle you want, both now and in the future. We'll make sure you have an emergency fund to fall back on, and that money is set aside to pay for the big events in your life such as a major holiday or a house move.
We'll review your tax position and help you keep taxes to a minimum, and we'll work out where your income will come from during the rest of your life and how to improve it. Borrowing can help you to achieve your goals by funding a new home or a business. But excessive debt is a cancer that will destroy your goals and wash away your plans.
We'll help you to make sure that your debt is working for you, not against you.
How will you plan for retirement?
We'll help you plan for your future by making sure you're getting the best out of your retirement, and that yours and your loved ones future is secure. Often our clients don't realise that they are already in a position to retire, or the steps they need to take to get to this point. We use our expertise to pinpoint the actions you need to take and make a plan to get you there.
How should you invest?
Many people don't understand the impact that modest improvements in returns can yield over a period of years. Our skilled investment team have been helping people to achieve their goals and enjoy long and happy lives for two decades, and they can do the same for you. We'll help build a strategy that works for you, based on your own individual circumstances and requirements.
What will you leave behind?
Legacy Planning isn't just about your arranging your Will and reducing Inheritance Tax, important as these are. It's also about the ongoing legacy that you create today for your family, your business and the people closest to you. We'll help you work out a Plan to use your assets to the very best effect.
A Financial Plan can help you create your future, not react to it. Why not give us a call today to take the first step towards the goals that are important to you?