Financial planning for your working life
Most people earn more in their 30s and 40s than at any other time. Few have a plan that reflects it. Your earnings deserve a plan.
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What is financial planning for your working life?
Where long-term wealth is built or missed.
Whether you're just starting out or hitting your peak earning years, the decisions you make now compound for decades. A pay rise unplanned. A pension never reviewed. Small decisions. Long consequences.
Know where you stand
Most people have a rough idea of what they earn. Few know what they're worth. We start by getting the full picture.
Make your income work
A pay rise is an opportunity. So is a bonus, a promotion, or a new employer. We help you make sure the money does something useful before it disappears.
Build for what's next
First home. School fees. Early retirement. Whatever comes next, the time to plan for it is before you need it.
Your pension isn't looking after itself
Many people auto-enrolled and never looked again. We'll tell you whether what's going in is enough, and whether it's invested in the right place for you.
Protection you probably haven't thought about
If you couldn't work tomorrow, how long would your savings last? Income protection, life cover, critical illness. Your working years are when these matter most.
The moments that matter.
A promotion that doubled the salary and the commute. A bonus in a current account, six months on. A pension from 2015. Never opened. Might be worth something.
What these have in common isn't wealth. It's the sense that things have moved faster than the plan.
The working years are when the gap opens
Most people think their finances are broadly under control. Most people haven't checked.
Only 9% of UK adults paid for financial advice last year. The other 91% have no plan, or one they built themselves and haven't looked at since.
That gap doesn't announce itself. It shows up at 58, when you find out whether you can stop working. By then, some options are closed.
Whole of market. No tied products. Advice that starts with you.
We work with people at every stage of their working life. Early career, when the habits matter more than the amounts. Mid-career, when income is growing and decisions are getting more complex. Later career, when stopping work starts to feel real.
We've been doing this in Sussex, Surrey and Kent since 1993. We know the questions before you ask them.
You know what living well looks like.
We'll show you the numbers to get there.
Making work optional
Not at 67. Earlier than that, if the plan is right. If you're in your thirties now, earlier retirement is still achievable. The window is open. A plan started today has time to get you there.
The home and the pension
Not one or the other. Most people in their thirties feel like they have to choose between saving for a house and saving for retirement. Usually it's not either-or. We’ll show you how to do both without short-changing either.
Financial independence
The financial independence you haven't named yet. Some want to go part-time at 50. Some want to start a business. Some want time with their parents before it's too late. A plan built around your life beats a generic retirement target.
FAQs
The working life questions we answer every day
From First Call to Clear Plan
Three steps. That's all there is.
Talk to us
One call. No obligation. Tell us where you are and what you want. We'll tell you honestly whether we can help.
See the plan
A clear financial plan built around your life. Not the same plan we gave the last person. Yours.
Get on with living
We handle the complexity. You get on with the reason you started saving in the first place.
The right pension advice starts with the right conversation.
Tell us a little about yourself. One of our advisors will be in touch within one working day.
30 minutes, by phone or online.
No pitch. No pressure. No paperwork.
A real person, within one working day.
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Book a call
Submit the form and pick a time that works for you.
Independent financial planners across the South East
Worthing
Phone: 01903 259200
Godalming
Phone: 01483 427366
Haywards Heath
Phone: 01444 405160
Uckfield
Phone: 01825 766130