What Ifs?
Life can throw curve balls. The sensible thing to is to plan for the unexpected and the milestones. What if we have another child? What if I want to buy a brand- new BMW? What if I get sick? We factor in the things you want to do in the future and we plan for your fears.
Why come to us instead of an accountant or a bank or an insurance broker? Well, the fact is, and not many people know this, is that because of Government regulatory changes in 2007 your accountant cannot give you the comprehensive advice you were used to . A lot of our clients do not realise this knowledge gap exists when they first meet us. What has passed for financial planning is the bank sales staff running through a Factfind until they find an exposure which they use to sell you a life insurance or pension product to generate their commission.
This is isolated advice and is not proper financial planning as it does not take the tax or cashflow implications of any decisions into account either at present or in the future We are all about collaboration where we take a good hard look at your financial plan now and in the future and TOGETHER we look at WHAT IF scenarios that can throw your plan off track and how to deal with these life events