The 40’s is all about accumulating your assets. You are probably in an established career or you may have had your children and are thinking about returning to work. It is often at this stage in life that clients look at self-employment and running their own businesses. Either way, your income is probably growing, but so are the financial pressures – it is important you stay focused – now more than ever.

Growing Your Wealth

Now is the time to keep retirement at the top of your priorities, and either start or look to increase the proportion of your salary invested or put into savings. Look at the options of purchasing a second home as an investment, and start to build a buy-to-let portfolio. Ask Alex to help you assess your financial circumstances and take a fresh look at your long-term goals.

If you haven’t already, look at critical illness and life insurance protection policies, and update your estate plan, by making sure that your will and beneficiaries are up-to-date, and your assets are protected.

The value of pension and investments and the income they produce can fall as well as rise. Your home may be repossessed if you do not keep up repayments on your mortgage.

I recommend you look into…

Savings & Investments

Whether you are saving for a specific purpose or building a pot of money for use at a later date, we can help you make an informed decision based on clearly understanding your financial situation, your goals and how much risk you are prepared to take with your money. We can help you identify an action plan that is right for you, and, as your circumstances change, can help you review all of this on a regular basis.

More on savings and investments

Mortgages

Whether you are thinking of re-mortgaging your property, moving home, or borrowing to invest in rental properties, trying to determine which deal is the right one for you and your specific circumstances can be difficult. We can help you with the tricky process of not only getting a mortgage, but getting the right mortgage, ensuring you are not paying more than you have to.

Insurance

You are probably familiar with protecting your property using buildings and contents insurance, but what about protection of your greatest assets – you and your family? We can advise you on the options available for protecting your home and your standard of living in the event of an accident, a serious illness or death.

Pension Planning

Pensioners now have complete freedom to draw down as much or as little of their pension pot as they want, anytime they want. But while retirement freedom creates more choice, it brings with it more risk. We also live in era where we live longer, are retired for longer, and need to make our savings last for longer. We can take you through the choices on offer, so you can approach retirement feeling more informed through the right preparation and advice.

More on pension planning

Estate Planning

Preserving your estate is all about protecting your assets, and ensuring the right money goes to the right people at the right time. We can help you with estate planning advice on wills, inheritance tax, trusts and lasting and enduring powers of attorney, to ensure your estate is dealt with exactly as you wish when you die.

More on estate planning

Business Planning

In our experience, firms that have a spectrum of quality group benefits in place, tend to have a higher percentage of long serving employees. We can provide expert help with structuring employee pension schemes and insurance solutions, considering your business’s financial circumstances and objectives.

More on business planning

Not sure what to ask? Call today on 01628 308138

Financial Planning for People & Businesses Across the Thames Valley

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The value of pensions and investments and the income they produce can fall as well as rise. Tax treatment varies according to individual circumstances and is subject to change. Estate planning, wills and LPAs are not regulated by the FCA.