The Financial Planning Life Cycle and Corresponding Financial Objectives

The Financial Planning Life Cycle is an aid which aims to demonstrate and explain the different stages of Financial Planning. Whilst not every individual or family has identical financial planning requirements, they will share certain commonalities. For example the need to protect yourself and your family against risk, accumulate wealth, manage your wealth effectively, distribute your wealth and eventually, to provide for an orderly transition of your assets.

Objective 1- Protect yourself and your family against risk.

1. Emergency cash fund -Ensure that you have an adequate level of cash at hand. 

2. Wealth Protection - Acquire an adequate mix of insurance that will protect you, your family and/ or business.

Objective 2- Financial security for yourself and your family.

The objective is to provide adequate financial security without placing undue stress on your resources to cause financial crisis.

1. General Savings - Saving Today for a Better Tomorrow

2. School fee planning - Give your Children a Headstart in Life

3. Retirement Planning - Secure the Future you Deserve

4. Purchasing property - International Property Invesment


Objective 3- Expansion and Management of Wealth 

This is achieved through further expansion of assets and managing your expanding portfolio to ensure that it is being invested as efficiently as possible. The aim is to maximise returns whilst ensuring that your investment profile is strictly adhered to.  

1. Lump Sum Investment Solutions - Consolidate and Manage your Assets within One Tax Efficient Account

2. Discretionary Portfolio Management - Assign the day to day running of your Portfolio to a Private Client Investment Management Team

3. International Property Investment - Direct Property and Profit Sharing Syndicate Investments

4. Fund Research Library - Research the latest Offshore Investment Opportunities

Objective 4- Ensuring a Comfortable Retirement

Providing you with a comfortable retirement and financial independence, ensuring a standard of living equal to that of which you have been accustomed to during your working years.

1. Saving for your Retirement - Securing the Future You Deserve

2. Retirement Calculator - Discover whether your current retirement arrangements are sufficient

3. SIPP's and QROPS - How to unlock and effectively manage your UK Personal Pension(s)

Objective 5- Estate Planning

Estate planning covers the transfer of assets at death as well as a variety of other personal matters. Ensuring that your assets are distributed, as per your instruction, in the most tax efficient manner.

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