However, making early contributions to your pension pot can have a real benefit because it enables you to make full use of compound interest over many years. This means that even small savings early on can be much more lucrative than larger contributions later. It doesn’t matter if you can only afford small payments at this stage, you can always increase your contribution later as your income increases.
Just starting out
It’s so exciting to get your first job. At first you may not have much spare money but the earlier you start a personal financial plan the better off you will be in the future.
It’s never too early to start your first pension
Retirement might seem like a very long way off for you, especially when you have so many other things you want to focus on first but it really is never too early to start your first pension even when you are just starting out on your career
Thinking about getting on the property ladder?
Perhaps you’re already thinking about buying a house and need to work out what your options are.
We can give you some guidance and help you to start planning to save for a deposit. Even if you don’t have much spare at this time, it will slowly build so you can achieve what you want further down the line.
How our advice service works
01.
Contacting us
Call us on 01273 774855 or click here to set up a free initial meeting with one of our financial advisers or mortgage advisers, either in person, over the phone or online whatever works for you.
02.
Getting to know you
One of our financial experts will meet you to chat confidentially about your current financial situation and future goals, they will also explain our services and charges. You are under no obligation to use our services and no costs will have been incurred. It’s simply an opportunity to meet each other and for you to decide if you think we are the right Independent Financial Adviser for you. We will give you a summary of our findings and the suggested next steps we recommend to achieve your financial goals.
03.
Presenting your plan
Our adviser will talk you through our recommendations which lay out your best financial options, based on your current requirements and future goals. We will design an investment strategy that is in line with your attitudes to investment risk, capacity for potential loss and personal timeframes. Essentially, it’s a road map for achieving your desired financial goals. If you are happy to proceed then we can complete the documentation.
04.
Ongoing review
Financial planning is an on-going and dynamic process and it’s unlikely that your financial circumstances will remain the same throughout your life. Periodically reviewing your plan will highlight any issues and where appropriate we can make any alterations that are needed. We believe this is key to helping you achieve your longer-term goals. We offer a range of management options and so will agree with you the method and regularity of any future contact.
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