Your life

We know that managing finances is about more than just investing and paying into pensions. It's about understanding the whole picture. We’ll help you to navigate through life’s financial circle of wealth.

0-19

20s

30s

40s

50s

60s

70s

80s

The early years are a hugely important time for new parents; they can also be stressful financially. The costs to cover include things such as:

  • Childcare costs
  • Extra accommodation
  • Medical care
  • Savings
  • Private education
  • Family holiday
  • Sport/hobbies
  • Allowance
  • Celebrations (18ths)
  • University fees
  • First car
  • Gap year

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

The twenties are usually a time of growth; for example, securing your education, developing your career, starting a family, buying a home. The costs to cover include things such as:

  • First home
  • Weddings/divorces and prenups
  • Extended travel
  • Starting a family
  • Early career
  • Educational debt
  • Independent holidays
  • Social calendar
  • Sport/hobbies/memberships
  • Budgeting

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

Financial responsibilities increase in your thirties; growing families, mortgages and future considerations to name a few. The costs to cover include things such as:

  • Moving up the property ladder
  • Second car or upgrade
  • Home improvements
  • Private healthcare
  • Saving for the future/retirement planning
  • Returning to work
  • Wills

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

The forties tend to see people become more established in their career, but that doesn’t mean it’s plain sailing from here. The costs to cover include things such as:

  • Second marriages
  • Career progression/change
  • Private healthcare
  • Retirement considerations
  • Family holidays
  • Marriage/divorce and prenups
  • Adult education

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

As you begin to approach retirement, it’s incredibly advisable to start thinking seriously about what life might look like after you stop working. The costs to cover include things such as:

  • Marriage, divorce and prenups
  • Celebrations
  • Strong retirement planning
  • Health risks
  • Elderly parents
  • Children’s marriages
  • Grandchildren
  • Children on the property ladder
  • Inheritance and tax implications

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

Most people move away from work and into retirement in their sixties. It’s an exciting time, but can also be daunting financially. The costs to cover include things such as:

  • Approaching retirement
  • Emotional changes
  • Personal development and learning
  • Extended travel
  • Inheritance
  • Family

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

Your seventies are for enjoying your retirement; whether that’s more time with family, travelling the world, or any other pastimes that take your fancy! The costs to cover include things such as:

  • Enjoying retirement
  • Social calendar
  • Hobbies
  • Getting around
  • Grandchildren
  • Health
  • Mobility

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

It’s important to get organised in your eighties to ensure your wishes in relation to your family and your estate can be carried out. The costs to cover include things such as:

  • Mobility
  • Health
  • Dignity, care and support
  • Getting around
  • Great-grandchildren

How we can help

We’re faced with financial challenges at every stage of life. But we often forget the opportunities we’re presented with; a chance to get organised and make a real difference to you, your family and your future. Working with a Chartered Financial Planner will help ensure you stay on track.

people we've helped

Since meeting James I truly feel that I have a clear financial plan for the future. That is invaluable to me. James really takes the time to understand mine and my family's goals. I have no hesitation in recommending him.

Robert

Wealth Harbour is a safe pair of hands. James has a personal interest in your life and helps make the right decisions for your lifestyle. I have used him for several years and my investments have maintained my requirements.

June

James understands my family and has given advice tailored to protect my personal wealth for many years. I have been impressed with his knowledge and am confident my finances are in the best of hands.

Gillian

James has set up for me two family trusts. I now have the security of knowing my lifetime financial security is secure and also my children will be able to benefit from the trusts after my death.

Emma

James' work has been very positively beneficial to my financial position in retirement. James's strongest ability for me is his constant goal to "do better" for his clients and keep them informed.

Rob

Having lost my husband, I was in a mess. James was brilliant! He never pushed me to make any decisions. I have been 100% happy with the service I have received and would definitely recommend Wealth Harbour to a friend.

Melissa

James shows a genuine interest in our lives and understands our goals. He has a friendly and professional approach. He made the transfer of my pension a stress-free process. I would happily recommend him.

Sean and Lorraine

Contact us