Planning for the future

Just starting out on your financial planning journey

It’s never too early to begin planning for the kind of future you want. But personal finances can be complicated and conversations about money can feel daunting when you’re not sure where to start.

You might be in the early stages of your career or family life and have questions about how you can repay your mortgage sooner. You may wish to fund your children’s education, or simply reduce the amount of tax you pay.  Perhaps you want to know that your family will be financially protected if anything were to happen to you or you’ve received an inheritance and are not sure whether you should invest it or use it to pay your mortgage?

If you have questions, that’s great! It means you’ve started thinking about what you’d like your financial future to look like. With a little bit of help, you can make it a reality.

How we can help you

We love helping people get started on their financial planning journey.

We’ll help you explore your priorities and define your goals, organise your finances and set you on the right path to achieving them. And then we’ll help to keep you on track with ongoing support and guidance for the journey.

Our help can range from protecting your family, working out a plan to pay off your mortgage, saving for the future or securing a financially-secure and comfortable retirement.

Whatever your aims, we’ll be with you every step of the way, clarifying the confusing, simplifying the complex and taking the fear out of talking about money with a friendly smile on our faces.

Planning for the future – Getting ready for your future retirement

Retirement nowadays looks different for everyone; but no matter what it does look like, the one thing in common for all retirements is the need to properly plan for it.

You’ve been working hard and saving into your pensions and investments over the years. Now you want to know if you’ve got enough to have the lifestyle you’d like when you do decide to stop (or even just slow down) working.

Perhaps you feel a bit overwhelmed by all the different options available to provide your income in retirement and you need a bit of help to understand the best one for you. You might also be concerned about the tax you pay and want to make sure this is as low as it can be.

From working with our clients, we see the peace of mind that comes with having a personalised plan in place showing you’re on track to have a secure and comfortable retirement, whatever that might mean to you.

How can we help?

Smith and Wardle have the knowledge and the experience needed to help you plan for the retirement you want and then understand the steps you need to take to achieve it.

As we’re independent, we’re also able to review all the different options available to provide your retirement income and advise you on those best suited to meet your needs and circumstances.

We know planning for retirement can be complicated but we work with you to keep it as simple as possible and help you build the resources you need for the retirement you dream of.