Who We Help

Our Clients

A 3D bar chart showing stages of financial behavior, with labeled categories: Saving Stage (Early Saver, Serious Saver, Strategic Stage) and Spending Stage (Early Spender, Later Spender). The bars indicate the progression through these stages. 
We believe that a person's financial planning journey is split into two distinct stages; the Saving Stage and the Spending Stage.          
During the saving stage the typical client is still working and able to save, and their goals and objectives are to build sufficient assets to fund their retirement; the spending stage. 
Upon reaching the spending stage, a person's objectives shift to using the pensions & savings they have built up to meet their expenditure needs now they are no longer working, while not exhausting their funds.
In reality, the shift between these two stages is often transitional, and there will commonly be periods where a client’s objectives and needs from both stages will overlap.
Clients within the saving and spending stages can be further split into two subsections. Early savers may have different needs to savers approaching the spending stage. And clients early in their spending stage will have different objectives to clients later in their journey.
We therefore believe that clients can typically be split into five segments:

Click below to see which type of client you might be and how we can help you.

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  • These are typically younger clients whose main objective is to build their wealth and savings for later life. They may have a small number of workplace pensions and cash savings, or are just beginning to build up their savings. They may have young families and wish to protect their home and loved ones if anything should happen to them.

    These clients typically receive advice in the following areas:

    • Pension Contributions

    • Life Insurance

    • Pension Consolidation

    • Saving For School Fees

    • Income Protection

    Early Savers may benefit from our “Simple LifeMap” service, a light touch offering for clients with little or no existing plans, who wish to keep costs to a minimum, and prefer to self-serve rather than receive a high level of ongoing interaction with their adviser.

  • Typically clients at this stage are beginning to think more seriously about retirement planning and may start to have multiple product types and more complex planning needs. They will probably still have a mortgage, but also be earning more than earlier in their career, meaning they may have surplus income for the first time. Their family will be getting older and as such their planning needs will begin to change.

    Serious Savers typically require advice around:

    • Mortgage repayment

    • School/University Fee Planning

    • Increasing Pension Contributions

    • Pension Consolidation

    • Life Insurance & Protection

    • Saving of Surplus Income

  • Clients at this stage of their journey will have needs from both the spending and savings stages, as they start preparing for retirement while still working. The decisions made at this stage will effect the rest of their lives. Their savings are likely to be at their highest level, while their ability to continue saving will be coming towards an end. They are likely to have multiple product types to consider when making contributions and withdrawals.

    The areas that these clients will require advice in are:

    • Pension Contribution Maximising

    • Pension Consolidation

    • Pension Tax Free Cash (PCLS)

    • Income Drawdown

    • Reducing Working Hours

    • Investment Planning

    • Life Insurance Reviews

  • These clients have usually stopped working, and therefore stopped saving, and are now considering how to fund their retirement. Their expenditure is likely to be higher at this stage than later in retirement, due to wishing to fund lifestyle & luxury discretionary spending, as well basic expenditure, to ensure they can enjoy the early years of retirement. They may have multiple product types to withdraw from, requiring a higher level of planning.

    Early Spender clients will likely require advice around:

    • Income Drawdown

    • Tax Efficient Withdrawal Strategies

    • Annuities

    • Investment Planning

  • Typically these are older clients where their focus and priorities may start to shift towards estate planning and gifting. Their discretionary expenditure needs may often start to reduce, while essential expenditure may begin to increase where care costs become necessary. There may be a balance to strike between depletion of funds and leaving a legacy.

    These clients often require advice around

    • Inheritance Tax Planning

    • Gifting

    • Annuities

    • Care Costs Planning

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