Life stages

Where are you in your life?

Get informed about what you need to know about your finances at this point in your life and find out how Financial Planning and Investment Management services could help you.

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Find out what you need to know

Your life priorities, financial circumstances and needs change through your life, meaning there are different financial aspects you will need to consider.

Start your financial journey

Foundation stage: 20s

Managing your finances in your 20s isn’t always a priority even though you may be taking on your own financial responsibilities for the first time; it's good to start with the basics.

Build on your foundation

Accumulation stage: 30 to 40

Even when day-to-day life is really busy, it’s important to keep your financial future in focus with things like pension planning and making the most of other tax-efficient investments.

A time for growth

Growth stage: 40 to 55

They say life begins at 40, and these peak earnings years are a good opportunity to enjoy your hard-earned money and maximise your savings and investments.

Establish your financial plans

Establishing stage: 55 to 65

As family life changes and you start to think about stepping back from work or retiring completely, you’ll want to make sure any decisions you make are backed by solid financial plans.

Time to enjoy your retirement

Preservation & Reward stage: 65 to 75

Now’s the time to enjoy the financial security that’s come from your hard work and careful financial plans by using your savings and investments in the most efficient ways to enjoy your life.

The key to conservation

Conservation stage: 75+

In your later years, you’ll be thinking about what you can give to others now and in the future, and organising your assets to make sure your family don’t pay more tax than they need to.

Our stories and guides to help you create a more secure financial future

Keep calm and carry on investing
Read Jeremy's story about Linda, who opened a discretionary portfolio with us years ago, valuing our personal approach and level of communication with her. She has since brought her children into the conversation too.
By Jeremy Robinson
Senior Investment Manager
Making a fresh start after divorce
Read Nicola's story to find out how she helped her clients, Sharon & Patrick during their divorce, handling their assets separately but considering the needs of the family and prioritising their children’s well-being.
By Nicola Loudon
Investment Manager
Going at your pace
Read Tsitsi’s story of how she helped Laura bring her daughter, Melanie, into the conversation about managing the family's finances following the death of her husband.
By Tsitsi Mutiti
Investment Manager

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