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We have all seen versions of Maslow’s Hierarchy of Needs (I added essentials for the new Millenium)<\/p>\n
How to juggle the important stuff like the impending MOT, bikini body\/panic saving for the holiday, while also organising the things other adults seem to manage, like Wills, Mortgages and Savings<\/p>\n
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Taking a ‘snow day’ in Bushy Park, reminded me\u00a0 of the reasons that work and play need to balance out.\u00a0 It also reminded me just how cold open spaces can get!<\/p>\n
The kids and dog were covering themselves in snow and making snow angels (albeit in the style of Picasso)<\/p>\n
I couldn’t help but see it all as a cunning plan to destroy the bathroom on our return<\/p>\n
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Hot coffee on the way home, warmed the brain enough to remind me of the following Monday strategy meeting, which has a tendency to test my listening and paying attention skill levels<\/p>\n
I mean, I have been known to nod, make eye contact, even throw in the occassional “yes, ahah” – while mentally planning that evenings dinner menu and my entire ‘why it is important to eat brocolli’ negotiations<\/p>\n
That table can be found in a mountain side Spa in Paphos – a one time work trip.\u00a0 Probably favourite Board meeting of my career<\/p>\n
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You might have the mortgage covered, maybe even some other debts<\/p>\n
Having a mortgage free home, does not provide for income needs.\u00a0 If you or your partner dies, or suffers a dibilitating illness, how do you pay the bills, keep the car running, school uniforms, food and so on<\/p>\n
We know you cannot necessarily cover every eventuality, but you can protect the roof over your head AND the lifestyle you have built within it<\/p>\n
Getting the mortgage is just the beginning<\/p>\n
The long-term questions you need to answer will determine how long you can keep it…<\/p>\n
The mortgage market is changing and one of the biggest movements is the availability of lending for Over 55’s.<\/p>\n
Later life mortgages can help you or your parents stay athome, even if care is required.\u00a0 Many retirees are reaching retirement in debt than we have previously seen.\u00a0 Re-organising debts is one of key skills and the relief this brings to our clients who have been trying to service expensive debts on a retirement income is palpable<\/p>\n
A fundamental part of Financial Wellbeing is building security through savings<\/p>\n
Not only is regular saving a good discipline to create, savings get you through the ‘rainy days’, help you to stop the worry of MOT’s, Boiler breakdowns, school trips to name a few<\/p>\n
Knowing that you can pay your bills for a few months following redundancy relieves the pressure and worry that often stops people moving forward<\/p>\n
There are no rules to saving – you just need to start<\/p>\n
Our skill sets will guide you, make it easy and help your understanding as you build your finances going forward, whether it is Pensions, ISA’s or Trust Funds for children and grandchildren<\/p>\n
When I first started my career in financial services (Spice Girls had just released Wannabe for a reference point), it was called retirement<\/p>\n
However, working with clients now, the philosophy of work \/ life has entered a new realm<\/p>\n
The systems and conversations we employ guide our clients through cash flow plans, income needs and interogation of their assets (employment, pensions, savings, state benefits, house, etc) and plot what income each one can provide and for how long<\/p>\n
The strategy might often include continuing to work, but at levels required to sustain the lifestyle they are planning for.\u00a0 We regularly review, revisit and re-run the cash flow plans to take into account longer holidays, the purchase of a boat in Spain (that is a real example) and any wonderful plans that can be dreamt up so that working becomes choice and income becomes part of your life, not all of it<\/p>\n
Nearly 80% of adults in the UK do not do this<\/p>\n
In the simplest of terms…. Who do you want to inherit your estate?<\/p>\n
You can either dictate who gets it, or you can let the State decide<\/p>\n
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A small leak will sink a great ship We have all seen versions of Maslow’s Hierarchy of Needs (I added essentials for the new Millenium) How to juggle the important stuff like the impending MOT, bikini body\/panic saving for the holiday, while also organising the things other adults seem to manage, like Wills, Mortgages […]<\/p>\n","protected":false},"author":2,"featured_media":343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[5],"tags":[],"_links":{"self":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/posts\/449"}],"collection":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/comments?post=449"}],"version-history":[{"count":0,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/posts\/449\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/media\/343"}],"wp:attachment":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/media?parent=449"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/categories?post=449"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/tags?post=449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}