Simon Yates, Lifestyle Financial Planner
What is Lifestyle Financial Planning?
It's about the life you want, the life you don't and the cost of each.
Providing answers to the BIG questions, such as:-
- "What do I have to do to ensure that I NEVER run out of money?"
- "How much do I need to earn, save or sell my business for to give me what I want out of life?"
- "When, precisely, can I afford to stop doing the things that have become a drag...and start doing the things I really enjoy?"
- "Exactly what level of investment return do I need to achieve my objectives?
And possibly the biggest question of all...
- "How much is enough?"
Traditionally, most financial advisers - being too focused on products - have failed to consider, never mind answer, these questions.
It's not surprising then, that the majority of people have no idea where they are heading. They may have assets, investments, and/or high levels of income, but most people have no idea what it all means.
How Do We Help?
Simple. We Make YOU the Centre of Attention!
Lifestyle Financial Planning is not all about the money - you can't take it with you! It's about YOU and how you want to live YOUR life.
We believe that until we really know about YOU, we have no right to talk about your money.
That's why we use a three stage process that firmly puts the focus on you - and on helping you identify and achieve your goals, your aspirations.
The first stage of the process is called LifeplanningTM - getting to know you, helping identify what's important, and understanding the things you want to achieve in your lifetime, particularly the sort of lifestyle you want to enjoy now and throughout life. We will then carry out a thorough financial analysis. Not only are the details of your current income, outgoings, assets and liabilities considered, but all resources that may become available to you in your lifetime. This gives an accurate measure of your net worth and current and future financial situation.
Having a full understanding of your needs we then go to the second stage called Financial Planning. We now begin the process of helping you realistically estimate the cost of the life you want to enjoy in years to come. Using leading financial planning software, we'll produce for you what can often be a dramatic picture, which will spell out the reality of your financial future. Suddenly you will see it, understand it, and believe it. We will then model realistic "what if" scenarios that will demonstrate the different outcomes that can be achieved for you through various financial strategies all designed to help you get what YOU want. Many clients have found they can retire years earlier when they are armed with this knowledge - which we call the 'truth about money'. Others learn how they can spend more now and still be financially secure for the rest of their lives. Other clients identify how much they need to sell their business for to be totally financially independent.
Finally, if your financial plan indicates that you might need a financial or investment product, then, and only then, will we offer the third stage of the process which is independent financial advice. At that stage, armed with a full understanding of your needs, we will be able to offer truly independent advice to identify and (if required) implement financial products or investment strategies that are best suited to your real needs.
This three stage process is the exact opposite to how most financial advisers work.
Satisfaction guaranteed
You are unlikely to have experienced this type of service before, which is why our Lifestyle Financial Planning service comes with a no-quibble, satisfaction guarantee: if you do not believe that the service has been valuable to you then do not pay our fee.
Who will benefit from Lifestyle Financial Planning?
- Business owners
- Senior managers
- People who have received 'sudden wealth' from a business sale, Inheritance, divorce, redundancy or pension
- People approaching or in retirement and keen to maintain their lifestyle
Contact us now to find out how we can help you
Find out how this alternative approach to financial planning and wealth management could help you.
The best way to find out is to arrange a meeting, at our offices in Chester.
We'll provide the coffee and biscuits and the meeting will be at our cost, without obligation.
Please call 01244 340222 and ask for Simon Yates or email simon@yatesandcoifa.co.uk
We look forward to meeting you.
Simon Yates is a founding member of Alternative Financial AdvisersTM
All Alternative Financial AdvisersTM deliver Lifestyle Financial Planning: a client focused three stage process designed to help you identify, achieve and maintain your desired lifestyle without ever running out of money. Quite simply, our aim is to help you achieve financial independence, financial security and total peace of mind.