Who I help
Typically I work with a wide range range of clients from small business owners, to self employed individuals, to those in employed roles. Many of my clients have a range of assets and income streams, but not all. Broadly you will fall into one of two types of client:
- You will either be accumulating (saving & investing) assets on a regular basis
- Or you will be decumulating (spending and gifting) the assets you have already accrued.
Each stage in your financial journey is unique to you, and the strategies required to navigate your finances will ultimately depend upon your objectives.
Mrs N - Nov 2024
“Toby is knowledgeable and picks up the relevant client information with skill and ease. He facilitated our meeting and conveyed quite clearly the pertinent financial points and pit falls. Without his experienced input we might have trodden a very different path and I now understand how we could have got things wrong. I will sleep more easily following our meeting. I recommend him whole heartedly to anyone wanting to plan for their financial future”
Planning Your Retirement
We all have differing hopes and dreams for ‘retirement’. Some may wish to stop working as soon as is financially possible, others prefer to phase out of working, but reducing working hours across the week/year. Perhaps you’d prefer to keep working until you reach the point of cognitive decline - there’s no right or wrong here - only what is right for you.
But having a sound financial plan that aligns with your desires and ambitions is what this stage is all about.
Maximising your Spending
You’ve had enough, but you’re not sure if you’ve got enough.
Decumulating your assets is mentally one of the hardest things to do. You’ve spent the past few decades spending less than you’ve earned, and investing the difference. Every year your net worth has increased. And you’re about to enter a phase of life whereby you may well need to see your net worth decrease year on year, to enable you to do the things you want to do in life.
But how much can you afford to spend each year? This is one of the trickiest questions to answer on your own. You may have heard of various ‘rules’ around spending in retirement. But there is an awful lot of nuance and individuality in this stage.
Helping the Wider Family/Charities
Once your own financial plan is sufficiently solid, and tested against a range of possible setbacks and scenarios, we can begin to consider using your money to help others. This may include passing wealth to other members of your family, or to philanthropic causes close to you.
It is however our view, that you should only consider doing this, when you have complete peace of mind that your own financial future is secure, and once you have enough for your own needs (both known and unknown).
Contact us
Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!