It has often been said that “a goal without a plan is just a wish”, meaning that action is required if you want to achieve your goals in life.
We all spend our lives hoping for the best but you need to do something if you are serious about your life goals, specifically your financial life goals. Do you want to retire at age 55? Do you want to buy a holiday home? Do you want spend some years travelling the world? Great ideas but how will you achieve them?
With proper planning you can take action to turn these wishes into reality so read on…
I have lost count of the number of times I have spoken to people in their late 40s who have a vague idea about retiring at age 55, but it then transpires that they only have minimal savings and a small pension plan.
Even with good investment growth over 10 years, they won’t have enough in the pot to give up work unless they take action. Serious saving is needed for a happy future.
Similarly, parents say they want to make sure that their children will be okay and to have the money to pay for tertiary education.
I then discover that they haven’t arranged wills, don’t have life cover and they don’t have enough in terms of investment or savings for their own needs.
- Maybe you haven’t taken action as you aren’t sure what to do first, or who to speak to.
- Perhaps you need guidance and don’t know where to start.
- Are you worried about doing the wrong things?
No need to hesitate any longer. My role as a professional financial adviser is to do just that, advise. The focus is on the right advice for you, for your specific circumstances.
Proper financial planning can be thought of as financial life coaching. It is a two-way discussion to see what you want, what you need, what you want to achieve. We then agree your goals, the priorities and work towards achieving them.
Bear in mind that the longer you put off planning your future, the more expensive it becomes. And when it comes to looking after your family, you really don’t want to take the risk of not planning for the worst.
Real financial advice is not just about selling policies, it is far more personal than that. It is entirely confidential and everyone can benefit from independent, professional, and objective advice.
Whether you have just reached 30 and have no investments, have a family that needs protecting in case life takes a wrong turn, education to pay for, a house to buy, a pension to be reviewed, a comfortable retirement plan for, or are soon facing retirement or moving to the UK – you can benefit for good advice and support.
Even if you aren’t sure of your personal financial goals, we can work those out too.
Everyone can benefit from financial coaching and real advice that has your interests at heart. We factor in not just your goals but what you have in place, what you can do to plan, the effects of inflation, tax issues and much more.
We can discuss what you want to achieve, what you want to do and set in place the steps to achieve them.
Once you are on track, advice doesn’t stop there. We work together over the years to keep you on target, to revise your goals if required, to monitor your investments and any plans.
Step one is to get in touch to arrange a friendly discussion. There is no charge for an initial chat over Zoom and then we agree how you want to proceed.
You’ll discover that planning your financial life is easier than you think when you have a bit of help and that it exactly what I do, help you reach your goals. I am on your side.
Take a look at THIS ARTICLE for more about the role of an independent financial adviser and HERE for why investing is easier and more flexible than you might think. There are many more useful articles on this site.
Get in touch for a chat. Serious topics but friendly conversation.
To arrange a discussion on any aspect of your personal financial planning, please email me at email@example.com
More here: Areas of advice – how I can assist
I write articles such as this one as part of the holistic personal financial planning service and that I provide to expats, and the general consumer, financial and legal information that I provide in The National newspaper, in other media, and on the Facebook group British Expats Dubai.
Please take a look at the other useful articles on this website