The Lifecycle Track

The Lifecycle Track is our structured programme that breaks down the planning process into clear steps. It’s a framework for working together to explore where you are in life, your values around money, what you’re up against and what you want – before we start looking at the pounds and pence.

Where are you now?

Our financial planning process is tailored to help set you up for the future you want, whatever stage of life you’re in.

The very first step is identifying where you are now and how close you think you are to retiring. This will make a difference to your needs and ultimately how we approach your financial planning.

While everyone’s different, we’ve identified some common themes in three different life stages:

• Savers
• Momentum builders
• Spenders

As you move through the stages of your life, you’ll also move through the stages of the Lifecycle Track.

SAVERS

ABOUT YOU:

  • You’re established in your working life – most likely in your 40s or 50s, but possibly younger

  • You may have dependent children

  • You’ve accumulated some pension and/or savings

  • You still have a significant mortgage

  • It’s important to you to save for the future

  • You’ve considered investing or financial planning but are unsure where or how to start


YOUR NEEDS:

  • Protect future earnings potential

  • Build wealth and maximise savings

  • Balance living for today with saving for tomorrow

MOMENTUM BUILDERS

ABOUT YOU:

  • You’re thinking more about retirement and hoping to make it happen in the next 10-15 years

  • You have a reasonable sum of pensions, savings and investments

  • You may have adult, non-dependent children

  • There is little or no mortgage left to pay

  • You want to save for the future and plan a retirement you can look forward to


YOUR NEEDS:

  • Build wealth while still earning

  • Protect the wealth you’ve built

  • Answers to big retirement questions as it draws nearer

SPENDERS

ABOUT YOU:

  • You’re at, or now in retirement

  • You’ve built up significant pensions and other savings and investments over the years

  • You’re thinking about your legacy

  • You’re committed to long-term planning to make the most of retirement

YOUR NEEDS

  • Ensure the money you’ve worked hard for now works hard for you

  • Peace of mind that you’ll be ok over the long term

  • Legacy planning and inheritance tax options

  • Minimise income tax liability on pension income

Your Financial Masterplan

Our job is to help you understand where you are now, how you got here, where you want to go and what you need to get there. With your own Financial Masterplan, you’ll have the confidence to know you’re heading in the right direction. That leaves you free to enjoy the journey along the way.

Give us a call or send us an email to find out more about the Lifecycle Track and get started with living your best life financially.