Do you know what your magic number is? That’s your personal sweet spot of financial freedom where you have enough to do all that matters to you, without worrying about running out of money.

Often, people don’t realise how long lasting the impact of taking (or not taking) a financial choice is. The cost of getting it wrong is high.

Through a proper financial analysis and forecast, we can tell you what the numbers relevant to you are, and you can then gain confidence, clarity and direction in all your decisions.

This vital exercise avoids guesswork and informs important decisions such as:

• What is the “base level” that I need to sell my business for in order to be able to enjoy retirement?
• How much do I need in order to be able to retire early?
• What divorce settlement is enough for me to move on with financial security, rather than endure legal battles for years in aiming for the maximum?
• How much cover do I need to have in place to protect me and my family in case I suffer serious ill health/disability or die premature?
• How much can I splash out on an extravagant car or holiday or help my child with a house purchase, without it compromising my long term financial security?
• How much financial provision do I need to have in order to avoid being a burden on my children in later life? Is the value of my house enough to secure me the level of care and dignity I would like to have?
• What can I spend and give away now without the risk of running out of money in later life?
• How can I address Inheritance Tax?

You see, all of these questions require thinking about the interplay between what you want, what your financial resources can realistically support, and how you can fill the gaps. We help you to work out your magic number, create a plan for you which aims to get to the point of financial freedom and enable you to regain control and confidence over your personal and financial future. We also stress test this plan against the potential risks relevant to you, and re-test and adjust it when necessary to monitor if you are on track no matter what life throws at you.

"Everyone has a plan – until they get punched in the face." - Mike Tyson

We make sure you have a plan B and that it covers all angles.