Bringing more meaning to your money decisions
Financial well-being is important to our sense of fulfilment and happiness but what does this mean? In simple terms it means having an understanding that, even at the toughest times, you are making plans and taking decisions that are in your own interests and will serve you and your loved ones well now and into the future.
Working with you to create a lifetime plan
Money Pathway will work with you to better understand those key financial planning decisions and will help to give you a fresh and insightful picture of where you are now, where you want to be in the future, and how you might get there!
The best planning is collaborative. It means working with you to set a pathway that is realistic, achievable and will give you more confidence in your decisions. We will create a personal cashflow that will take account of your needs, goals, dreams and fears. This will be a “live” document and we will update it to take account of changes in your circumstances that can and will occur from time to time.
Have you ever thought...
"What will my retirement look like?"
"Can we afford to move home now or in a few years time?"
"How would I cope if... (family changes, illness, bereavement)?
"How much can I afford to spend now / in the future?"
"What legacy am I going to leave my family?"
"What can we do to plan for children’s education?"
"What if I change job or plan a later life career change?"
"Have we got enough protection if we get sick or die early?"
What I will do
Money decisions can be difficult to contemplate and challenging to implement. I will help to identify what matters most to you and will then:
What I won’t do
I won’t sell you anything. I am not an investment or mortgage adviser and don’t offer products of any sort.
If your plan suggests you could benefit from taking specific actions that would require financial advice, I can introduce you to a trusted partner but this would absolutely be your choice.
Frequently Asked Questions
What are the costs for a financial lifetime plan?
I work on a fixed fee basis and this includes a discovery meeting to get to understand more about you and your circumstances, I will then go away and build a lifetime plan for you and have a follow up meeting to discuss this with you. The cost of this will be £450, payable in advance.
How long does this process take?
This will depend on the complexity of your circumstances but typically the first meeting is 1-1.5 hours and then the second meeting around 45 mins.
What information will you need from me?
I will need a good understanding of what is important to you over the course of the next few years, what does good look like for you and are there any big life changes or events that we should consider. I will then take a comprehensive overview of your income, employee benefits you get, pensions, savings, investment, house value and any debts or loans you may have. I will also need a good idea of your current spending levels and then we can proceed from there.
