Are you confident about your financial future?

Think ahead for calm waters

Picture a rosy future with zero financial worries, living in your dream home, spending your days with loved ones and doing everything you want in life.

When will this picture become a reality and what is on your wish list?

Aside from the basic human needs of companionship, food and a roof over your head what about the kids’ education fund, the wedding contribution, the aspirational holiday, the classic car project or a charitable contribution? There are many events, wants and needs that you will come across in the future that will require a monetary contribution. You may even want to plan for your own memorial to ease the grief of loved ones.

Planning your future and understanding how you can fund your aspirations will help to ease the burden of unexpected surprises.

Man looking at very long list
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Are you in control of your future?

Relying on your next wage package and a plentiful state pension retirement (hmm!) is no way to plan for a prosperous future. Money doesn’t always bring happiness, but it does help you to live a more comfortable and secure life.

It’s never too late to plan for the future but the quicker you take those steps, the earlier you will be able to reap the benefits. Plus, you’ll have more control over the choices you to make in life.

Know the facts

Basic ISAs and savings accounts with banks and building societies offer a great solution if you need instant access to a pot of money or a buffer if you fall on short-term hard times but they will never make you rich.

Current inflation rates are high and interest rates are at an all-time low, so your pound won’t be packing much of a punch as a long-term investment for the future.

Whilst there will always be an element of uncertainty with investments, having a few options to spread the risk is the safest route.

Woman reading financial newspaper

Know your options when investing

There are many ways to invest in your future such as paying into a pension scheme or investing in stocks, shares, funds or trusts.

Choosing to invest in company shares is one way to gain cash as shareholder dividends or from share sales once a company grows or floats on the stock market.

Despite levelling out since the boom of the late 80s to early 90s, property investment still yields a great return for rental income and renovation. A level of commitment is required but there are plenty of management options that take on the hassle for a cut of the profits.

I have worked for various Companies over my career and had amassed many pensions from various providers. It was a mess, but Becky sorted everything out for me. She made a complicated and confusing subject really easy to understand and gave me complete peace of mind. I was confident with her advice in consolidating my pensions and appointing a fund manager.

If you want true impartial and professional advice, then you need to trust Becky from Willow Financial Solutions.

Andy Chell , Navitas Edge
Client who wants sustainable financial planning

For the green saver

For anyone who has an interest in protecting the environment and feels connected to nature, there are plenty of sustainable, environmental, social and governance (ESG) options to choose from.

Popular investment funds that tick all the boxes for low carbon, high moral compass and excellent governance to ensure doing the right thing can also perform well for you as an investor.

A professional financial advisor will guide you to make the best decisions for your future based on your risk approach and your personal values.

Talk to Willow Financial Solutions about where to start when planning for the future.