The simple fact is that each and every client has a unique set of circumstances and will require financial planning relative to the stage of life they have reached.
For example, if you are in your 20's, you may be more likely to be thinking about your first mortgage than the best way of saving for your retirement.
If you are in your 40's, you may be concerned with how best to save for your children's future or increase your wealth via investment.
Indeed, if you are in your 60's, you may be wondering how best to utilise the wealth you have accumulated in your property.
Clearly, one client's needs or objectives may be very different to those of another and accordingly, every client of Aptus Financial Planning and Wealth Management receives advice individually tailored to them.
To help you assess your needs and objectives, we have compiled a list of questions, which you may have asked yourself:
- 'Where should I invest?'
- 'ISA or Pension?'
- 'Which is the best mortgage deal for my circumstances and wishes?'
- 'I am asset rich, but cash poor - what can I do to generate accessible capital or extra income?'
- 'Am I, my family and our way of life protected if I die or fall ill for an extended period?'
- 'Am I making adequate provision for my retirement?'
- 'Are my financial affairs tax and cost efficient?'
- 'Will my family have to pay Inheritance Tax when I die? How can they avoid this?'
- 'Are my investment and pension portfolio's performing well? Could they be doing better?'
- 'I haven't made a will - should I?'
- 'What should I do with the money I've just inherited?'
- Is my business exposed to unnecessary financial risk and is our employee benefits package cost efficient and of a high quality?
If you would like help answering any of these or similar questions, please feel free to call or email us to arrange a free, no obligation and informal discussion.
Our usual fee for Mortgage Advice is £500.
Your home may be repossessed if you do not keep up repayments on your mortgage.