Financial planning is a process, not a product. It is the long-term method of wisely managing your money so you can understand your true financial picture, and achieve your goals and dreams.
Your first step will be to let us get to know you. We will help you think about your future in a way that you might never have done before. We will help you to consider what is really important to you – and what you really want from your life.
We will ask you for your current financial details, any anticipated changes, and your hopes and ambitions.
We will use all of this important information to build you a lifelong cash flow model, your customised and adaptable financial plan.
Your cash flow model will let you see whether you are likely to be able to meet your goals. It will also show you what your life might be like in retirement. We will be able to help you to test out the different possibilities for your life.
- Could you afford to work part-time?
- Should you move to a larger house?
- Can you help your children?
A financial plan can help you answer all of these questions. It will also allow you to see what could happen if things don’t go quite the way you want them to. Knowing that you would still be okay if there is a financial crisis in your life, or if you or a loved one suffers from illness or injury, can give you great peace of mind.
Different scenarios can be tested before any big decisions are made.
A proper financial plan – a life plan – is something that we all should look to put in place.
Lifetimer Charlie Parker is celebrating – after receiving the fantastic news that he has passed his last Financial Planning exam.
A thrilled Charlie (pictured below) successfully passed the RO6 exam and has now completed the Diploma in Regulated Financial Planning.
To mark the memorable moment Charlie fetched in some cupcakes to share with his colleagues, who were equally delighted for him!
Well done Charlie – many congratulations!
Lifetime Mortgage Adviser Ken Abbott has been thanked for doing a ‘brilliant job’ by delighted first time buyers.
Ken (pictured below) guided the clients through the mortgage process from beginning to end – with happy results.
The clients enthused: “The service we received from Ken was excellent.
“As first time buyers everything was new and we knew very little about the mortgage process. We wanted someone to be able to explain it to us in simple terms and Ken did a brilliant job of doing so.
“He was there for us every step of the way and always a phone call away if we needed anything.
“We would recommend Ken to anyone buying a home.”
Office Administrator Macy Corbett is celebrating a notable diploma success.
All the hard work paid off as Lifetimer Macy (pictured below) found out on Thursday that she had passed her Apprenticeship – Business Administration Diploma Level 2.
Well done Macy!
Lifetimer Miles Myers is all smiles – after passing his latest exam!
Trainee financial planner Miles (pictured below) this week successfully navigated the RO3 finance exam (which covers personal taxation).
Well done Miles!
Trainee financial planner Joe Musson (pictured below) passed the RO5 finance exam in Leeds on Tuesday morning.
The RO5 exam focuses on financial protection products, and forms a part of the Diploma in Regulated Financial Planning which Lifetimer Joe is successfully powering towards.
Many congratulations Joe!
Lifetime Mortgage Adviser Scott Kershaw (pictured below) was thrilled this week to receive a glowing testimonial from a very happy couple.
The delighted clients wrote: “We found the entire process extremely easy due to your help.
“You and the service you provided was brilliant from start to finish. You made the entire process stress free, handling everything for us.
“We felt you went above and beyond your role. Not only were you available to speak to, whenever we had any queries, you also proactively liaised with all parties involved in our conveyancing, meaning we had a friendly and accessible single point of contact for all our needs. You made what is typically a stressful period hassle free.
“We felt completely supported in navigating the complex and confusing world of choosing and securing a mortgage because of you.
“We felt like you provided us with a personalised service, helping us find, choose and secure a mortgage product which best suited our circumstances. You explained everything in extremely simple and understandable terms, presenting us with a range of options and working through each to find the right one for us.
“What an extremely proficient and professional service. Thank you.”
Jack Bogle, the genius behind Vanguard and Passive investment strategies, has died at the age of 89.
The Vanguard Group founder and father of the index fund passed away on Wednesday.
He transformed money management, making investing cheaper, simpler and more accessible than ever before, lifting the financial well-being of millions of people in the process.
Lifetime has paid tribute to the great man on our social media platforms, and we would also like to share this terrific tribute that was written by Nir Kaissar for Bloomberg: