It's a fact that the majority of people have no idea where they are heading financially. They may have assets, investments, and/or high levels of income, but most people have no idea what it all means, or what sort of financial future they are going to get.

We use Truth financial planning software® to help bring our clients face to face with the reality of what their future looks like. For some people this can be a joy, for others it can be a shock. More than ever before, people want to know the truth, so they can do something about it.

It's called telling people the truth about money.

We believe that the 'truth about money' is not whether "Standard Life is better than Scottish Widows", or "this fund is better than that fund", but it is providing you with the answers to life's big questions.

Life's big questions

We use cash flow modelling software to help you answer the big questions in life, such as:

* "How much do I need to earn, save or sell my business for to give me what I want out of life?"
* "When, precisely, can I afford to stop doing the things that have become a drag...and start doing the things I really enjoy?"
* "What do I have to do to ensure I NEVER run out of money?"
* "Exactly what level of investment return do I need to achieve my objectives?

Your lifetime goals

In order to plan for you future, we seek to understand what it looks like. We will then build this into the cash flow modeling software, and help you see pictorially what that future looks like, and show you how likely it is that you will achieve what you want to achieve.

If you are unlikely to achieve what you want, we can adjust the financial plan accordingly, to increase the likelihood of you achieving your goals. It may be the case you are left with too much surplus capital, in which case we can work with you to help you minimize inheritance tax consequences. Either way, the process forms the basis of your financial plan and puts the focus on you.

Disaster Planning

We can help you plan for the unexpected by building in hypothetical scenarios to the cash flow plan. A loss of a loved one in a family is never easy, and may be compounded by the financial strain it can put on a family due to the loss of that person's income.

We can help you visualize what financial effect it would have if you or your partner becomes ill or unable to work, and therefore determine exactly what level of life insurance cover would be suitable, if any is required at all.