20 YEARS OF FINANCIAL EXPERTISE
HOLISTIC ADVICE FOR LIFE MILESTONES
FCA-REGULATED AND CLIENT-FOCUSED
LIFE EVENTS
Generally speaking, people go through different stages of their lives, like finding a job, buying a home, getting married, having children, saving for their children’s education, inheritance, and retirement – these are just some of life’s milestones that we all aspire to achieve. However, life is unpredictable, and unexpected events like divorce, disability, or job loss can derail even the most carefully considered plans.
That’s why at RAE Financial Advisory Services Ltd, we emphasise the importance of financial planning to help you navigate life’s journey with confidence and resilience.
SERVICES
FINANCIAL PLANNING
A financial plan serves as a roadmap to guide you toward achieving your financial goals and securing your future. Financial planning is essential for optimising the tax efficiency of your investment portfolio, ensuring that your investments align with your goals and circumstances.
One thing we would like to add is that if you do not have a proper financial plan, you are aiming for failure. If you have a financial plan, this means nothing if you do not implement and follow the process.
PLANNING FOR YOUR FINANCIAL MILESTONES
Throughout life, we encounter numerous milestones that shape our financial journey. From birth and education to career changes, buying a home, starting a family, and planning for retirement, each milestone presents its own set of financial implications.
At RAE Financial Advisory Services Ltd, we recognise the importance of considering these milestones and offer tailored financial planning solutions to help you navigate them successfully.
THE SIGNIFICANCE OF SAVING AND FINANCIAL PLANNING
Saving and financial planning are the cornerstones of building wealth and preparing for life’s twists and turns. According to statistics provided by the FCA, up to a third of UK adults have either no savings or less than £1,000 in a savings account. This underscores the critical importance of prioritising saving and having a robust financial plan in place.
We work closely with our clients to establish saving habits that align with their goals, whether it’s creating an emergency fund, saving for education, or planning for retirement. By automating savings and creating a personalised financial roadmap, we help our clients to take control of their financial future.
MAJOR LIFE EVENTS AND THEIR FINANCIAL IMPLICATIONS
As life progresses, your financial needs evolve. Here’s how financial planning can help you prepare for some significant life events:
Marriage
Combining finances and establishing joint goals requires careful planning. Our independent financial advisers assist couples in defining their financial objectives, reviewing their collective savings, and ensuring adequate coverage to protect their future together.
Job Promotions
A promotion often comes with increased earning potential. We help clients capitalise on this opportunity by optimising their retirement contributions, setting aside additional savings, and aligning their financial plans with their newfound income.
Children
Welcoming a new addition to the family is both exciting and financially demanding. We guide parents through the process of setting up college funds, revising their estate plans to provide for their children’s future, and securing adequate life insurance coverage to safeguard their family’s financial well-being.
Buying a Home
Purchasing a home is a significant financial milestone. Our independent financial advisers work with clients to develop a savings plan for their down payment, explore mortgage options, and ensure that their home purchase fits seamlessly into their overall financial plan.
Starting a Business
Entrepreneurship requires careful financial planning. We assist aspiring business owners in structuring their businesses, securing financing, and implementing tax-efficient strategies to support their entrepreneurial endeavours.
Inheritance
Receiving an inheritance can be both a blessing and a challenge. Our independent financial advisers help clients navigate the complexities of life events, such as inheritance planning, and provide guidance on wealth preservation, tax mitigation, and legacy planning.
Retirement
Planning for retirement is a lifelong endeavour. We work with clients to establish retirement savings goals, optimise their investment portfolios, and develop income strategies to support their desired lifestyle in retirement.
Long-Term Health Care
Unexpected illness or disability can have profound financial implications. We help clients prepare for these contingencies by incorporating planning for unexpected medical expenses into their financial plan and developing strategies to manage healthcare expenses in retirement.
THE POWER OF TIME AND STRATEGIC PLANNING FOR LIFE EVENTS
Time is a valuable asset when it comes to financial planning. The earlier you start saving, the more time your investments have to grow. However, as retirement approaches, it’s essential to adjust your investment strategy to focus on capital preservation and income generation.
Our independent financial advisers are here to help clients navigate these transitions, ensuring that their financial plan remains aligned with their changing needs and goals.
FREQUENTLY ASKED QUESTIONS
DISCLAIMER
The Value of Investments and the Income From Them May Go Down. You May Not Get Back the Original Amount Invested.
Information is Based on Our Current Understanding of Taxation Legislation and Regulations. Any Levels and Bases of, and Reliefs From Taxation, Are Subject to Change.
Tax Treatment is Based on Individual Circumstances and May Be Subject to Change in the Future.
Tax Planning is Not Regulated by the Financial Conduct Authority.
TESTIMONIALS
