Achieve Financial Planning Ltd - Investment & Pension Advice
Expert Advice for a Secure Future
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Life Stages

Inverness Financial Adviser, Independent Financial Advice, Wealth Management, Unbiased, Impartial, Evidence Based, Investment Advice, ISA’s, Offshore Investments, Retirement Planning, Pension Advice, Annuities, SIPPS, Drawdown Advice, Estate Planning, Inheritance Tax Planning, Gifting, Trust Investment, Sustainable Investing, Ethical Investing, Ethical Investments, Low cost, Fee based, Local, Honest, Reliable, Service, Recommended, Chartered Financial Planner, Process

Life Stages

During our lives we will go through many life events which will impact your financial needs and objectives in different ways. Financial Advice can help you in the following ways:


Single

  • Advice on savings and investments

  • When to start paying into a pension

  • Protecting income should you suffer long term ill-health

  • Budgeting finances – Beginning to save for future events

Marriage / Civil Partnership

  • Advantages & disadvantages of holding individual or merged bank account

  • Budgeting at a time that income and expenditure has changed

  • Advice on savings and investments for the future

  • Protecting income should you suffer long term ill-health or early death

  • Amending the Nominated Beneficiary of your pension plans

  • Drawing up your Will, Power of Attorney and Letters of Wish

Birth of a Child

  • Budgeting at a time that income and expenditure has changed

  • Short and long term budgeting for maintenance and education

  • Protecting income should you suffer long term ill-health or early death

  • Saving for future costs such as child care and education

  • Reviewing Wills

  • Investing for a child

Divorce / Separation

  • Budgeting at a time that income and expenditure has changed

  • Reinvesting split funds

  • Advising on the most suitable course of action with regards to pensions

  • Setting up a new pension to receive a Pension Credit from your ex spouse

  • Rearranging protection policies

  • Amending Wills, Power of Attorneys & Letters of Wish

Inheriting a Lump Sum / Property

  • Importance of investing inheritance

  • Where to invest the inheritance

  • Advice on passing on unneeded inheritance to the next generation

Death of a Spouse / Partner

  • Budgeting at a time that income and expenditure has changed

  • Assisting with new personal circumstances

  • Advice on investing additional funds

  • Reviewing Will, Power of Attorney & Letters of Wish

Serious Illness

  • Accessing investments / pensions early if required

  • Payout of an existing critical illness protection policy

  • Reviewing protection plans - income, health, life

  • Income replacement options

Pre-Retirement

  • Establish aims and objectives

  • How much income is needed in retirement

  • Identify what options are available, depending on your need for fixed or variable income

  • Sources of wealth, other than pension products

  • Identify willingness to take risk and what options are available for this level of risk

  • What you need to do now to achieve your retirement goals

At Retirement & Beyond

  • Non-pension income options to meet retirement goals

  • Information on taking a lump sum

  • Ensure income meets expenditure

  • How to meet any differences in income and expenditure

  • Planning effectively to ensure retirement goals are met

  • Inheritance tax planning / setting up trusts

  • Priorities in retirement

  • Cash Flow Planning to establish if you will outlive your capital

  • Budgeting carefully

  • Achieving life goals before it is too late

  • Passing on surplus wealth to the next generation

Long-Term Care

  • Identify ways of meeting long term care costs

  • How to plan for long term care

  • Benefits of Power of Attorneys

  • Effecting Letters of Wish