Personal financial planning


We fully understand that personal circumstances change, and that this can cause a financial impact, both positively or negatively.  Sometimes it’s for the better; you may get a pay rise, a promotion, or sell your house for a lot more than you were planning to! On the flip side, sometimes it can cause financial hardship, and it can be a difficult road to get back on track and into a good financial position.

As accountants and trusted advisors, we do see people struggle both personally and professionally, but we want you to know that we’re here to help you get back in control of your finances.  Seeking help is never a bad decision, and our idea is to help facilitate you to stand on your own two feet financially.

We have over 25 years of experience in helping to plan finances, budget for individual lifestyles, and advise on important milestones, be it children, weddings, or the purchase of a new house.  We have also partnered with other professionals to be able to give you a fuller picture of your options and to provide you with well-rounded and trustworthy advice.

Where is my money going?

Do you look at your bank statements each month at a loss as to where all your hard-earned money has gone?  We can offer a full income review to see what is syphoning off all your cash and provide you with a report on what’s going on.

Budgeting and forecasting

Are you making big plans for your future? Perhaps looking to put away some money for the next holiday, or maybe looking even further down the line at pensions and investments?  Based on your income, outgoings, and how much you want to put away (and how soon) we can help set up a budget for you and your family to stick to, giving you one less thing to worry about!  By setting up budgets and forecasts, you can see how much cash you will have available for that tax bill at the end of the year, or the deposit for that new Mercedes.

Having visibility of your income and spending patterns is key to being able to maximise your financial stability.

Planning for the future

You might think you’re too young to start planning for retirement, but there’s never been a better time!  We have clients of all ages setting up pensions and investing in property to make sure that they have a nest egg to fall back on as the years go by. We can call in an independent financial advisor to give you more information on different types of pensions and investments, ISAs and bonds etc.

Getting out of a sticky situation

Sometimes your outgoings can far outweigh your income.  In a world where you are contracting or running your own business, you may not have as much stability with the income you are receiving, as opposed to being employed by someone else.

When the money dries up you may need to talk through your options and, whether this is business or personal funding, loans or credit cards, we can help you figure out what will work for you.

If there is perhaps no way out of your current situation, we can connect you with insolvency practitioners and make sure that, if a CVA or an IVA is in your future, you are taken care of every step of the way.  We will then help you plan for the future and get back on your feet on the other side.

Moving forward after a change in circumstances

After any financial change, it’s good to take a moment to re-think your spending habits and look at what you need to do to get yourself on an even keel.  If you have recently come into money, it’s wise to look at what to do with it. We all know that the bank interest rates are low at present, so proper investment advice is key.

If you are coming out of a rough patch, then it’s good to address what happened and understand how you can avoid it happening again in the future. And, if it does happen in the future, it’s important that you have a cushion to fall back on so that you can keep yourself ticking over until the funds come back in.

Ultimately, we want to help you get peace of mind. Wouldn’t it be great not to have to worry about money every day?  We can help you achieve that.

It’s never too late – or too early – to start planning.

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