We are a firm of financial planners. We are not stockbrokers; we are not investment managers; we make no claims to be able to predict what will happen in the short-term with any particular market; we make no claims to be able to pick which companies will outperform their peers; we make no claims to be able to predict which way a particular share price will go tomorrow.

Given that financial planning often involves a number of potentially conflicting desires, not to mention a whole host of variables and possibilities, constructing a lifetime cashflow model can prove a very good idea. Charting your future cash flow position can bring your money to life and enable us, together with you, the ability to consider ways in which to achieve your lifestyle objectives, while bearing in mind your capacity for loss and your need to take risk. The end result should be something which can be reviewed, updated and used to answer the question, “what if?”

Pensions, ISAs, investments, life assurance – yes we deal with all of these.

You may not buy a car because of the widget in the engine, but you still need the widget to get what you bought the car for, whether it be speed, comfort, space, utility or longevity.

However much we may focus on planning being the key, we cannot ignore the fact that much of it involves pensions. Despite being much maligned, pensions have a lot of things going for them – to misquote The Animals “they’re just a product whose intentions are good, oh lord please don’t let them be misunderstood”.