When you have a busy professional life, balancing work and personal or family commitments can be a bit of a juggling act. Finding time to organise your personal finances can therefore be tricky.
Our working age clients come to us for a whole host of reasons. Some have specific goals they’re working towards, such as saving to buy a dream home, funding a private education for their children, or wishing to retire early or readjust their work-life balance.
Some clients approach us to help them organise their finances, understand what pension or investments they have and feel more in control about the direction of their financial future.
Others want to grow and protect their wealth and are looking for expertise on building an investment portfolio tax efficiently to match their needs and risk profile.
We build our advice and services around your goals and aspirations for your life, helping you enjoy your lifestyle now and feel secure about your future.
Clients often ask
Do I have enough money to..?
We use cutting edge Voyant cash flow modelling technology to forecast with greater accuracy how much money you are likely to have and need at various stages in your life. If you have certain goals in mind, we can tell you when you are likely to be able to achieve them under your current arrangements, and how changes to those arrangements could produce different results. Where there’s a discrepancy between what you aspire to, and what are on track to achieve, we will work with you to build a financial plan to bridge the gap.
Should I be investing my wealth?
Our approach to investing isn’t about chasing the latest hot stock or beating arbitrary benchmarks. When building proactively managed investment portfolios for our clients, we focus on what you want to achieve and how we can deliver the growth that enables you to reach your goals. Our experienced financial planners will work with you to build an investment portfolio aligned to your goals, your timeline and your attitude to risk. By partnering with FE investments – an award-winning provider of managed investment portfolios – we can provide you with comprehensive fund research and a suite of risk-targeted model portfolios.
Please note, the value of your investments and any income from them can go down as well as up and you may not get back the full amount you invested.
Is there a way to reduce the tax I’m paying?
The UK tax system is famously complicated, but there are huge benefits to be had from structuring your finances tax-efficiently both for yourself and for your loved ones. We will make sure you are making the most of the available allowances in your pensions, your estate planning and your savings and investments vehicles.
When am I able to retire?
Whenever you want if you have sufficient funds to live on!
Some people work until the age their state pension become payable and finish work that same week. Others continue working beyond that point in some capacity in order to leave their pension untouched for as long as possible. Or in some cases, because they hate the thought of giving up the job they love. For many people, retirement can’t come soon enough. We’ll help you work out what’s achievable and just as importantly, which option is right for you.
Should I change my pension arrangements?
A pension is quite possibly the biggest and most important investment you will ever make, so you need to feel sure you’re making the right decisions when it comes to how it’s invested and how it’s drawn down. We’ll analyse your current arrangements and where we feel you could be achieving better returns, or your pension pots could be better aligned to your risk profile or plans, we’ll recommend alternative arrangements and help you implement the changes.
How will I protect my family if something were to happen to me?
None of us like to think that our loved ones will suffer in the event that we are unable to work, are suddenly taken ill or die. While life isn’t always predictable, there are some simple things you can do to ensure those you care about are protected from the financial impact of life’s unforeseen events.
Our clients come to us because they know we can help them prosper. But that’s not the only reason they choose Woburn Street for their financial planning. There’s plenty that makes us stand out from the crowd! Come and find out why our clients join us and stay with us for the journey.