The Scoop

The Value of Financial Planning

Let’s face it – most people survive without financial advisers. This is especially true if we’re talking about traditional financial advisers. Who were essentially paid to flog product. And although financial advice is far more robust nowadays, using people’s risk ratings to make sure each product is suitable, the majority still only operate at a transactional level. But not PenLife…

We believe that proper financial planning is helping clients to attain and more importantly maintain the life they want – no matter what comes their way. Real financial security is invaluable, because it gives you freedom, hope and a sense of security. And more freedom means more time. And more time means more opportunity to enjoy life. Whilst most financial advisers solemnly rely on return on investment, we also measure return on life.

You could spend too long worrying about your finances rather than enjoying them. At that point – you’ve fallen into the loop. You’re missing the most valuable thing. The moment. Then, if you miss enough moments – it could lead to a lifetime. And before you know it, you’ve wasted your opportunity.

You might already have an adviser now. They might see you once a year, send you the odd email, and give you a call here and there. But they won’t take the time to get to know you, to get to know what you like, what you don’t like. What your hobbies are. And what your life goals are. Here at PenLife we achieve results. We help you get and maintain the lifestyle you want. We give you more time and less worry. More choices. More life. You can see what some of our clients have to say here.

Yet, there’s the most important thing of all. What we think should be prioritised, is whatever you say… So the key thing is you. What you really want. What really matters to you. How do you vision your perfect lifestyle? You’ve got to think about your future, because no one else can do it for you. Although we help people get there, we need to know where ‘there’ is!

Life is unpredictable and it can be difficult keeping up with your financial priorities throughout each life stage but having a financial planner by your side significantly reduces the stress and pressure. They’ll provide you with an ongoing Financial Plan which can be adapted and amended as you go.  That’s why it’s so important to work together with your Financial Planner, with ongoing reviews so that we can keep you on track. Here at PenLife, we’re very much about building relationships with clients and looking after them and their families, too.

But why would you ever need a financial planner? Most people are just along for the ride, dealing with whatever comes their way. Its difficult keeping up with your financial priorities throughout each life stage, but having a financial planner significantly reduces the stress and pressure. An experienced professional can easily identify your needs and priorities as you go, to ensure you always know where you’re at and what you’re working towards. Why don’t you just sit back, relax and think: when can you stop doing what you don’t enjoy doing, and start doing what you really want to do?

*Please note that the value of your investments can go down as well as up.*

Why don’t you start your financial journey today? We can help you stop doing what you don’t enjoy doing (but what we love doing!) and start doing what you really want to do. To request your free ‘Why You Need a Financial Adviser’ guide, email, call us on 01904 661140, or alternatively, click here. But if you want to skip all of that and get straight in touch with one of our fantastic financial planners, you can do so on our contact us page.