We always recommend a written Financial Plan for every household. This will include both short and long term financial goals, current situation and budget, and prepare for any bumps in the road during the journey.
Our advisers will carefully document your "today" and your "tomorrow" and their experience of the journey will allow them to give you a guide to best plot that journey.
You may be aiming at Early Retirement, working Part-time or Partially Retiring. This would mean planning your Pensions (most people move jobs every 7 years these days), and consolidating or re-assessing the Fund Risk on your Pensions.
You may need to ensure that your income will remain steady (you insure your house - do you insure your Income?), put Salary Protection in place where needed, and this will increase the chances of reaching your goals.
If you have a family, we will make sure they are looked after with Life Insurance if you hit the ultimate bump - untimely death - so the remainder of your family can continue the journey you started.
