"The most important investment you can make is in yourself."

Planning is a key element to managing money, especially when investing. It helps you see what is affordable, whatever your income level, and needs careful management. The first step to keep control of your finances is a budget. It takes effort, but is a great way to get a snapshot of the money you have coming in and going out, your surplus or deficit, and to  establish how much you can invest in you and your future.

Managing money is about more than making sure you don’t spend more than you have. We can work with you to complete a budget plan, to help establish an accurate snapshot of income versus expenditure. Only then can we construct a plan to help you develop wealth, to help you achieve your goals whilst ensuring that you have some contingency plan for the events in life that can happen to all of us. The subjects we will cover include Savings, Investing, Bank Accounts, Interest and Tax on Savings, Types of Saving, and accessing your cash.

Once we have established your financial position, we will make recommendations on how you can achieve your different goals or where your objectives may need to be recalibrated and set your plan in motion to make sure that whatever your level of income and wealth your money is working as hard as it can for you and your future. It is important for everyone to understand the difference between saving and investing and we will cover that within this section of our website and in person during an initial discovery meeting.

Within this section as well as throughout or Life Events Timeline, you will find our short guides to: Cash Savings, Money Saving Tips, Savings Accounts, Saving for Children, Investing, ISAs, Investing in Property, Wealth Management, Pensions, SIPPs  as well as other information on other types of investment options.