Stage 2: Choices

The first years of professional and family life have probably flown by. Often people who talk to us at this stage feel as though they don’t have as much control over their finances as they would like and are looking for the right information and advice.

You’re probably much more focussed on the future and want to maximise the returns of your income, savings, pensions and policies. You may even be toying with the idea of retiring in your 50s. But in the short-term your children may also bring new financial challenges – especially if they've set their hearts on university or buying their first home.

If you have a young family or a growing business, there are many short-term demands on capital. Optimising finances for future prosperity can seem like a complicated and stressful balancing act. At this stage it's common to seek help from someone who can structure and guide your financial planning.