Financial Planning

As independent financial advisers, we offer impartial advice and financial planning tailored to your individual needs. We take the time to understand your circumstances and provide you with the best financial solutions available. Whether it’s savings, investments, pensions, or planning for major life events, we’re here to support you at every step.

The benefits of financial planning at every stage of life

At every stage of life, financial planning plays a crucial role in helping you achieve your goals and secure your future. Whether you’re just starting your career, building a family, or approaching retirement, getting expert advice from an independent financial adviser can make all the difference. We provide personalised advice to guide you through life’s important financial decisions, ensuring you’re always in control of your money.

1. Starting your career: Building a strong foundation
When you’re beginning your career, managing money can feel overwhelming. It’s important to establish good financial habits early on.

• Budgeting and saving: Learn how to budget effectively and build a healthy savings pot.
• Pensions: Understand how pensions work and why starting early can benefit your long-term financial future.
• Investing: Discover the basics of investing to grow your wealth over time.

Taking advice early in your career can set you on the right path for the future.

2. Buying a home: Navigating the mortgage market
Purchasing a home is one of the biggest financial commitments you’ll make.

• Mortgage advice: We’ll help you find the best mortgage deals suited to your financial situation.
• Savings and deposit: Guidance on building up a deposit and managing the costs of buying a home.

Expert financial advice can make the home-buying process smoother and less stressful.

3. Starting a family: Planning for the future
With a growing family comes new financial responsibilities. It’s crucial to plan ahead for your children’s future.

• Education costs: Plan for school and university fees, and other expenses that may arise as your children grow.
• Life insurance: Ensure your family is protected with the right insurance policies.
• Savings and investments: We can help you create a savings and investment plan to support your family’s future needs.

By getting financial advice when starting a family, you can prepare for both the expected and the unexpected.

4. Growing your wealth: maximising Investments and Tax efficiency
As you progress in your career, you may start to focus on building wealth and planning for the future.

• Investment planning: We’ll help you develop an investment strategy that fits your risk appetite and financial goals.
• Tax planning: Make sure you’re making the most of tax-efficient savings and investments.
• Pension contributions: Keep track of your pension and ensure you’re on track for a comfortable retirement.

Professional advice ensures your wealth is managed effectively and tax-efficiently.

5. Nearing retirement: Planning for a comfortable future
As you approach retirement, your focus shifts to making sure you have enough to live comfortably in your later years.

• Pension advice: Review your pension options and make sure you’re taking full advantage of any available benefits.
• Income planning: We’ll help you create a retirement income plan that ensures you can maintain your lifestyle.
• Long-term care planning: Understand the costs of potential care needs and how to plan for them.

With expert advice, you can enjoy peace of mind knowing that your retirement plans are in place.

6. Later in life: Preserving your wealth and legacy
In your later years, it’s important to ensure that your finances are well managed and that your legacy is preserved.

• Inheritance tax planning: Minimise the tax burden on your estate and ensure your loved ones benefit from your hard-earned wealth.
• Long-term care funding: Get advice on how to fund any care needs without depleting your savings.
• Wills and estate planning: Ensure your assets are passed on according to your wishes.

A financial adviser can help ensure your wealth is protected and your wishes are fulfilled.

Why work with us?

• Impartial advice: We’re independent, meaning we work for you, not for a bank or product provider.
• Tailored solutions: Our advice is based on your unique situation and goals.
• Long-term relationships: We’re here to support you at every stage of your financial journey, from starting your career to planning your legacy.

Watch our client stories to hear first hand, why financial planning is right for them.

Take control of your financial future today

No matter where you are in life, seeking professional financial advice can help you make informed decisions and secure a brighter financial future. Get in touch with us today for a free initial consultation and let us help you take the first step towards achieving your goals.

What to expect from your financial planning journey

We will provide you with robust, independent financial plan which is tailored to your personal or business needs, and keep you on the right path to achieving your short and long-term financial goals.

Need to learn more about financial planning?

If you have any questions or would like to know more about how personal financial planning could work for you please get in touch. Your first meeting with Innes Reid is entirely at our expense and there is no obligation to work with us.

Email enquiries@innesreid.co.uk, call 01244 347 583 or complete our book a meeting form and we will contact you promptly.