Here we look at what your financial priorities and goals might be at key stages in your life. As you progress through life your outlook will evolve and you will need to adjust your finances accordingly.

Our job is to make your money work for you, whatever your stage in life. We look at your current overall financial position, talk to you about what you would like to achieve, listen to your concerns and then make recommendations that match your lifestyle and aspirations. You can then relax, in the knowledge that your finances are organised in the way that suits you.

Starting out

These are exciting times: you are starting out on your chosen career, moving into your own place, and enjoying your independence. The whole of your adult life lies ahead of you and, quite naturally, thoughts of financial planning are probably far from your mind.

Yet by taking a few simple steps now, you can put in place solid foundations for your financial future, which should make things easier financially as you progress through life.

Young family

Starting a family changes your life, bringing joy and new responsibilities. Your priorities and outlook change. You may now need a larger home, putting yet more strain on already over-stretched finances.

Making a few adjustments to the way your finances are organised can help you relax and enjoy these precious years when your children are young.

Children growing up

When your children leave home for university or to start their careers you could find you have more disposable income: you are probably approaching the peak of your career – and your earnings.

This is the time to check that your investments and pension fund are on track to meet your objectives – if they aren’t you still have time to get back on track.

Approaching retirement

Financially, things should be a bit easier now. Your children are probably independent and you may already have paid off your mortgage.

Your main priority will be to preserve the value of your pension fund, investments and any money you have inherited, so you have enough to maintain your lifestyle when you retire.


At last your time is your own to do all those things you always wanted to do but never quite got round to – travel, learn a new skill (or relearn an old one), help others and indulge yourself.

By securing your finances now you will be able to relax, knowing that you have enough income to enjoy a long retirement.