You don’t have to compromise! Live in the here & now AND plan for your future
Rebecca, an Operations Director from the South West, approached Scott with concerns about managing her family’s finances across all areas. As someone who enjoys a comfortable lifestyle, she was particularly anxious about finding the right balance between living well now and planning effectively for the future. Rebecca expressed her primary concern: “How can we live our lives now, without sacrificing our nice lifestyle, whilst balancing the need to effectively plan for our retirement?”
The client’s primary financial planning goals
Maintain current lifestyle: Ensuring that her family could continue enjoying their current lifestyle without financial strain.
Effective retirement planning: Planning for retirement without making significant sacrifices in the present.
Financial stability: Stabilising her family’s financial position and building confidence in their future.
During her journey with Scott, Rebecca received comprehensive financial advice that covered pensions, savings, and mortgage strategies. Rebecca appreciated the approach, noting that “Advice has been honest, transparent, and clear, and Scott always provides options and ideas.”
Key financial strategies implemented
Retirement planning: Scott collaborated with Rebecca to craft a retirement plan that aligned with her desire to potentially retire sooner rather than later. This included reviewing her existing pension arrangements, maximising contributions where feasible, and exploring tax-efficient saving options.
Savings management: Scott provided tailored advice on optimising Rebecca’s savings. By maintaining a robust emergency fund while also making her savings work harder through investments aligned with her risk tolerance and retirement timeline, Scott helped Rebecca feel more secure about her financial future.
Mortgage advice: At different stages, Scott advised Rebecca on mortgage strategies.
Holistic financial review: Importantly, Scott also guided Rebecca on when it was best to do nothing at all. This avoided unnecessary changes, thereby maintaining her financial stability and preventing potential pitfalls.
Good outcomes for clients is always the priority
Under Scott’s guidance, Rebecca and her family have seen marked improvements in their financial position. Rebecca acknowledged, “Without question, every activity we’ve undertaken has improved our financial position and stabilised us as a family in terms of our financial position.” As a result, Rebecca now feels confident that their retirement is well-planned and secure. She even mentioned that she is seriously considering how they can achieve early retirement—a testament to the success of the strategies implemented.
Rebecca’s trust in Scott and Unividual is evident. She continues to rely on their advice, confident that she has the right support to navigate her financial journey. “We continue to live our lives with confidence that our retirement is in hand. I won’t change adviser and have recommended Unividual to multiple friends who have become clients also. I would recommend Unividual and Scott to anyone!”
What’s next for you?
If you’re like Rebecca and want to balance living well now with securing your future, Unividual is here to help. Our Chartered Financial Planners, like Scott Gurd, are committed to providing honest, transparent, and personalised advice that aligns with your goals. Contact us today to start your journey towards financial stability and a secure retirement.
Scott Gurd is a Chartered Financial Planner in Shaftesbury, however he works in our Bath office and has clients across Dorset, Wiltshire, Somerset, Hampshire and Oxfordshire.
The value of Pensions & investments and the income they produce can fall as well as rise. You may get back less than you invested.
Approver Quilter Financial Limited 13/08/2024
Rebecca
13th June 2024
