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WHAT IS FINANCIAL PLANNING SIMON PHILLIPS Independent Financial Adviser It’s an old truth that ‘failing to plan is planning to fail’.


Financial planning is the process that will identify your plans and the ways to achieve them. Finding that you have met your financial goals and can live the rest of your life with no money worries does not just happen. It needs to be planned and prepared for.


Your financial plan will show the steps you need to take and will be as individual as you are. It will be reviewed regularly to ensure it remains relevant to your ongoing needs and objectives.


What a Financial Plan will cover:


Financial goals: Everyone has their own financial goals and objectives. Planning will quantify goals and use them as milestones to monitor performance.


Personal net worth: A snapshot of assets and liabilities is vital to establish the basis for your plan.


Cash flow analysis: A review of your income and spending will show how much can be used for debt repayment, savings and investment each month.


Retirement strategy: The plan should include a strategy for retirement showing how the required retirement capital will be built up, and how it will be used to generate an income.


Risk management: This will identify the risks you and your family face and identify solutions such as life and disability insurance, personal liability cover, property and casualty coverage.


The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment strategy, you should seek independent financial advice before embarking on any course of action. The Financial Conduct Authority does not regulate taxation and trust advice & will writing. The value of investments and the income from them can fall as well as rise and you may get back less than you invested.


MORTGAGES LIFE INSURANCE SAVINGS INVESTMENTS PENSIONS


FOR A FREE INITIAL CONSULTATION CONTACT SIMON PHILLIPS Independent Financial Adviser: T: 01803 752177 M: 07484 095 044 E: simon@mycontinuum.co.uk Based in Kingswear


www.mycontinuum.co.uk


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co.uk www.mycontinuum.co.uk Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is authorised and regulated by the Financial Conduct Authority


ESTATE PLANNING


Long-term investment: Your plan will include a customised investment strategy based on your objectives and risk profile. This will set guidelines for selecting and managing investments and benchmarks for performance review.


Tax reduction: Your plan may include ways to mitigate taxes on personal income.


Estate plan: If required, your plan can include measures to reduce the Inheritance Tax liability of your estate, increasing the proportion of your wealth that can be passed on to loved ones.


At Continuum, we are the experts in Financial Planning. We take the time to listen to your needs and design a financial plan around them, we will commit to working with you for the long term, keeping your plan for financial success on track.


To find out more, call us to see what a Continuum financial plan could mean to you.


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