Opening minds to a
lifetime of possibilities
Understand your financial journey...
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CONTENTS
Debt is not necessarily a bad thing; what’s important is how well we are able to manage and pay off that debt.
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A free service provided by your employer
None of us want to discuss our financial situation with work colleagues, but this does not mean we would not welcome guidance and advice from a trusted source.
Your employer has partnered with Lifetime to provide a free service that offers you all the tools you need to understand your finances, alongside confidential, one-to-one consultations that allow you to explore your options for now and in the future.
If you worry about money you are not alone.
People worry about debt, saving for a home, the cost of raising a family, funding relatives in care, losing their job, retirement planning…the list goes on.
For many of us, financial worries directly impact our daily life, with the stress causing a lack of sleep and other health problems. This worry inevitably leads to poor levels of engagement and concentration at work and can mean taking days off to deal with our financial and health problems.
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Your employer is providing this comprehensive programme so that we at Lifetime can help you manage your finances, improve your wellbeing and give you the means to:
Whatever financial concerns you may
have, we are here to help.
“Very informative, comprehensive and went beyond any other financial education session I have attended”
Donna Hobbs, independent trustee
Video: introduction to Lifetime
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We are Lifetime and we are a trusted provider of high-quality financial planning and investment services.
We are a long-established business that is passionate about helping people like you plan for your future and make financial decisions based on your own personal circumstances and wishes.
We believe everyone should have the knowledge they need to manage their financial life, but until now, top-tier advice has been regarded as the preserve of the wealthy. We want to change that and make financial planning more accessible to everyone.
Our experts will provide the support you need to take control of your money and provide the peace of mind to improve your financial wellbeing.
Who are we?
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We promise to put your interests first and to:
Lifetime Digital Services is authorised and regulated by the Financial Conduct Authority (FCA).
listen without judgement
help you build a complete picture of your current financial circumstances
show you how to make changes that improve your life now and in the future
explain the facts using simple language, not jargon
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Let’s do things differently!
It would be quite easy for us to make judgements and decisions about what might be of concern to you and then push what we think as a solution.
But are we right? Everyone’s circumstances are different, and assumptions will only deliver generic guidance.
We want to do things differently – we want you to tell us what is important and only then we will create the content you need.
You will soon receive communications from your HR department asking you to participate in a short survey. This is designed to identify the financial topics that really matter to you.
We will collect all the responses and our team of in-house experts will create a series of bespoke presentations, videos and webinars using simple to understand explanations and guidance to address your concerns.
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You will receive invites for the content that is specifically relevant to you. You will also be able to ask further questions of our experienced advisors via email and through our webinar portal.
Over time, we will work with you to identify additional subjects of interest and make this content available through multiple channels:
(these are also recorded for later viewing)
Webinar taster video
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One-to one personalised financial planning
What is financial planning?
Included as part of your employee package is access to personalised financial planning, but what does that mean?
Many of us find our finances confusing and we all have questions:
Good financial planning answers these questions and helps you make the most of your income so that you can enjoy a reasonable quality of life. It provides you with the skills and capabilities to manage your money, both on a daily basis and for the future. In short:
Financial planning helps you make sensible decisions about money
When creating your financial plan we will look at all aspects of your financial circumstances, including:
Your daily finances
We will help you reduce unnecessary costs, make the most of benefits, maximise tax allowances and pension pots, and generally improve cash flow to get the most from every penny.
Only by having a purpose-built plan in place can you understand your current financial position and plan for the future.
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Savings and investments
Whether you want to save for your children’s education, yearly holidays, or create a rainy day fund for those difficult times, we can help you choose the right investments to fit your needs.
Retirement
Gaining an understanding of what your retirement might look like helps to identify if you can retire earlier or if you could be doing more with your money now to benefit later.
Insurance
Financial planning will look at different options to help you cope with a reduction in household income due to illness or job loss.
Security for those we leave behind
We look at where you can make spending cuts, or increase your income so you are able to grow an emergency fund and provide peace of mind for you and your loved ones.
Ongoing advice
We are here to help review and revise your plan, so that when circumstances inevitably change, you are able to keep your finances on track to reach your goals.
57% of employees surveyed do not think they
will be able to retire at the age they would like
(Cipd, 2019)
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With the help of our animated guide flo and our dedicated, professional coaches, we collect and analyse all the pieces of your financial jigsaw. We consider not only your personal situation but also your family’s needs to build a comprehensive picture of your financial circumstances.
Using this information, we create a personalised video, that helps you understand where you are now, how you can move forward and how you can achieve what you want from later in life.
This unique digital service is completely bespoke and allows our experienced coaches to listen, create, communicate, and explain your financial plan in simple terms that you can fully understand.
Our online digital portal allows you to start your personal journey when you are ready. Just click the link below.
Your personal journey
One-to one personalised financial planning
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“Lifetime guarantee to always put your wellbeing and your interests first”
Video introducing Flo, your financial guide
Video explaining the process
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One-to one personalised financial planning
There are 5 simple steps:
Please be sure to include not only the facts and figures, but also your aspirations or concerns – the more detail in the form, the more detail in the plan!
Video: What happens after you complete your online details?
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Once you have submitted your form, your dedicated coach will be in touch to discuss your information and find out exactly what it is you’re hoping to learn or achieve from your journey. This is a great way for you to get to know us, as well as us getting to know you!
We now have all we need. Your coach will construct your financial plan, bringing to life your aspirations or concerns and will present it in the form of a personal video. Your coach will be on hand to discuss any questions you may have.
This dedicated solution ensures the protection of all personal data and guarantees that any information shared by you remains confidential.
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Your personal coach has provided your presentation and answered any questions you might have, but what comes next?
We will offer you the choice of engaging one of Lifetime’s financial planners to identify services that can help you implement and develop your financial planner.
This is completely optional and we will always ensure you have the freedom, security, and confidence to make the right choices for you.
If you decide to take up this offer, there will be a cost of £149.00 which will not be covered by your employer.
There is no obligation to take this service and this will in no way detract from the financial plan already provided.
Full details can be provided by your personal coach.
One-to one personalised financial planning
What comes next?
Take control of your future
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What our customers say
“Amazing! Lots of choices, presented with the facts to allow us to make an informed decision.”
Matt Wood
“I like Lifetime’s online portal - it’s easy to use and submit information.”
Mark, South Yorkshire
“I had my eyes opened and now see my financial position in a whole new light.”
Donna Hobbs
“All information is presented in a clear, understandable format and in a friendly manner.”
Christine, Rotherham
“Our financial planner advised us with no pressure and found the right products for us.”
Dean & Alison Jacques
01226 208600
Lifetime House,
Great Cliffe Court,
Great Cliffe Road,
Barnsley,
S75 3SP
Lifetime
Digital
Services