The Financial Planning Life Cycle

Your priorities change as life changes. Our role is to help you make confident decisions at every stage, so your money supports the life you are building and the future you want.

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The Financial Planning Life Cycle.

  • A young girl sitting in a field of small white flowers, facing away, with a sunset glowing in the background, creating a serene and warm atmosphere.

    Incubator | 0–20 years Saving for children and young people

    In most cases, children and young adults rely on others for financial security. If you are building savings for a child or grandchild, we can support you in considering the most appropriate route and structuring it in a way that suits your goals.

    We can support you to consider:

    • How much to save and over what timeframe

    • The right balance between accessibility and long-term growth

    • Tax-efficient options available for children and families

    • How to invest responsibly for a young person’s future

  • Close-up of a large tree trunk with exposed roots covered in moss in a forest with green foliage and a gravel path visible in the background.

    Start Up | 20–35 years Laying the foundations for wealth

    In your 20s and early 30s, life moves quickly. You may be establishing your career, buying your first home, getting married or starting a family. Retirement can feel distant, but the choices you make now set the direction for everything that follows.

    We can support you to:

    • Set clear goals and build a plan around them

    • Start investing in a way that matches your risk profile and timeline

    • Put protection in place if you have dependants or a mortgage

    • Build good financial habits without losing momentum or enjoyment.

  • Modern building with wood siding in front of a mountain range with grassy hills.

    Family Life | 30–50 years Managing pressure and building resilience

    These are often the most financially demanding years: mortgages, childcare, school costs and career peaks. It is also the stage where your plan matters most, because small decisions can have a big long-term impact.

    We can support you to:

    • Protect your family with appropriate cover if the unexpected happens

    • Review mortgage strategy and interest-rate resilience

    • Build a nest egg and invest tax-efficiently

    • Keep your plan on track as your circumstances change

  • Close-up of a bald eagle with a sharp yellow beak and piercing eyes, set against a blurred background of mountains and sky.

    65+ years Turning wealth into income, with confidence

    Many people now work into their 60s and beyond. With pension freedoms, how and when you take income from pensions and investments is one of the biggest financial decisions you will make. It is easy to take too much too soon, or miss opportunities to withdraw in a tax-aware way.

    We can support you to:

    • Build a sustainable retirement income strategy

    • Plan withdrawals from pensions and investments in a tax-aware way

    • Review estate planning and beneficiary arrangements

    • Keep your plan under review so your income stays aligned with your life and priorities

    • Protect your legacy and pass wealth on efficiently where possible

Important Information

This page is for educational purposes only and does not constitute personal financial advice.

The value of investments and any income from them can fall as well as rise. You may not get back the original amount invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Protection policies are subject to eligibility, underwriting and the terms and conditions of the policy provider.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Tax concessions are not guaranteed and may change in the future. Tax-free means the investor pays no tax.

The Financial Conduct Authority does not regulate tax planning, Inheritance Tax planning, trusts, wills or Lasting Powers of Attorney.

For specialist tax advice, please refer to an accountant or tax specialist.

“Planning is bringing the future into the present so that you can do something about it now.”

— Alan Lakein

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