West Kirby Personal Financial Planning

West Kirby Personal Financial Planning

We could all benefit from a tailored financial plan that shows us the impact of every single penny we spend. Imagine being able to see how your spending today will affect your retirement income! Our West Kirby Financial Planning team can do this for you.

Whatever your goals are in life, you work hard to achieve them. We all want to be debt free before retirement so we can spend our golden years doing the things that we want. After all, life is for living. By planning for retirement today you can still enjoy a comfortable life and set yourself up for a worry-free future.

West Kirby Financial Planning

West Kirby Financial Planning

When you meet one of our West Kirby Financial Planning Advisers we produce a lifetime cash flow modelling report for you. This report lets you see the effects of choices you make now:

  • What if you retired a year earlier?
  • What if you pay off your mortgage later?

Our software is able to show the effects of these decisions with a click of the mouse.

Once the plan is finished, and you are satisfied it will meet your needs, our West Kirby financial advisers produce a detailed report. The report shows you how every penny of income and expenditure between now and the age of 100 affects your future. This will be the first time you will have seen your financial future fully mapped out.

Personal Financial Planning West Kirby

Personal Financial Planning West Kirby

It’s time to stop the guesswork about what will happen and make a plan for your income to help you to live the life you really want in retirement. Starting the journey to your new financial life is so easy: complete the form below, or call our West Kirby financial planners on 0151 601 5922 today. Your first West Kirby Financial Planning review session with our West Kirby IFA team is FREE and with no obligation.

Can you see your financial future?

Janet’s Story: Life After Redundancy

Do you have a plan in place?

Not having a financial plan for the future can hold you back from living your life to the fullest.

Unsure of her financial future

Let me show you why it’s so important. Here’s a financial planning experience one of my clients, Janet. 

Janet’s Challenge

Janet has been a primary school teacher for over thirty-seven years. And recently, she has been offered a redundancy package of £38,000 and access to her teachers’ pension. Since the news of the redundancy offer, Janet and her husband, Simon, were worried. They were mostly concerned that they wouldn’t be able to afford the lifestyle they have now. And with little knowledge of financial planning, they felt sure they were facing disaster. They knew they needed the help of an Independent Financial Advisor. That’s why they came to Assured Wealth. They wanted financial advice that would give them clarity of their financial future.

Our Solution

Over a few meetings, I did two important things for Janet and Simon. 

Firstly, I reviewed their life goals. The things on their bucket list which they wanted to do together. This included things like taking big holidays and moving into their ‘forever home’.

And secondly, I reviewed whether they could continue to maintain the lifestyle they had now. 

After expert cash flow planning, I had some good news for them. I was delighted to share that they could afford their lifestyle. Not only this, but they could also afford a more expensive ‘forever home’ that was on their bucket list. And the news got even better when I told them they could make the move five years sooner than they expected!

What happened next?

As a result, Janet took the redundancy package and they bought their new bungalow. By coming to Assured Wealth, Janet had unlocked opportunities she never knew existed. She had come to us with a simple question and left with a life-changing solution. We had surpassed her expectations. 

Thanks to my help, Janet didn’t need to work again, but that won’t keep her away from her love of teaching. You’ll still find her in the classroom for two days a month!

Get in touch with usAre you in a situation where you can’t see the longer-term financial impact of a life-changing moment? Or do you know someone who is? Then don’t feel confused for a second longer. Speak to a Financial Planner today, by calling 01925 396 122 or visit www.assuredwep.co.uk

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Retirement Planning

Did you know that the average British worker has six jobs during their lifetime? And this is increasing every year with a new generation more used to moving from job-to-job?

The more employers you have during your working life, the more pension pots you will have to organise. And as a result, the more complicated retirement planning can become. For the best outcome, always speak to a financial planning expert. They will explore the best retirement plans available to you and will save you time, as well as money.

Here is a case of how I helped a client with his retirement planning.

Could Tim Retire Sooner?

Tim, aged 55, was coming to the end of his career and retirement was on the horizon. He had spent his entire working life saving for retirement. And to make the most of his family’s future, he wanted to make sure he had the best retirement plan possible. 

Sadly, both Tim’s father and brother had passed away in their mid 60’s. And these close family losses made Tim want to take action earlier. 

From numerous pension pots to ISA’s, Buy to Let portfolios to other income streams, Tim felt confused about his retirement savings. And it’s no wonder, considering the many factors affecting his retirement planning.

In total, Tim had £290K in different pension pots and had four questions about his retirement on his mind:

1. Could he afford to retire in five years time, at the age of 60?

2. Would the £290K he had provide him with enough income in five years time?

3. Was being too cautious or too adventurous with his pensions?

4. Should be contributing more to his pension?

Retirement Planning With Tim

I sat down with Tim, to discover what he wanted his life to look like after retirement. We spoke about his lifestyle, his family and what was on their bucket list. I then worked out how much he would need each month to cover the cost of living and tick off those bucket list items. 

Tim came to Assured Wealth feeling confused about how and when he could take his pension. After we worked our magic, he left us delighted with a retirement plan in place. It was a plan that meant he could retire at 58 – two years sooner than he had originally hoped to!

What Does Your Retirement Plan Look Like?

Does Tim’s situation sound familiar? If you’re based in the UK and want to discover your best retirement plan, then speak to an advisor today. Call 01925 396 122 or get in touch today.

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Wife Misses Mortgage Payment Due To Husband In Coma

Lasting Powers of Attorney (LPA) allow your loved ones to manage your affairs if you are unable due to illness, injury or loss of capacity

Meet Martin. He’s a 50-year-old married Engineer, who lives in Liverpool, North West, with his wife of over thirty years, Sally. Two years ago the worst happened, when an accident in the factory led to him being in a coma. Everyday, Sally would visit him in hope of some positive news. And in between hospital visits, she was receiving stressful calls regarding their missed mortgage repayments. She felt confused. After all, they had more than enough money in the account to cover it.

So what happened?

Not knowing the ins and outs of why the mortgage repayment hadn’t left the account, she spent days trying to manually set up a payment… with no luck. She’d been frozen out of their account. When she sought financial advice, the financial planner explained that Martin had become a ‘vulnerable person’ and was deemed to have lost the capacity to act. And by law, the Court of Protection had to freeze the accounts, including his joint account with Sally, regardless of the fact that they’ve been married for over thirty years… She thought that because of their relationship, she was automatically the Power of Attorney, she thought wrong.

Because of this, she spent even more time while Martin was unwell, meeting with her financial planner and going to the Court of Protection to apply for a Deputyship application, which would make her a Power of Attorney and therefore able to access their accounts and get their mortgage repayments back on track. This cost them £2,500 legal fees and additional fees over the never-ending 12-week period. As well as the financial cost, it also added to her stress and worry of Martin’s health.

What should they have done?

Setting up a Power of Attorney would’ve solved it all. Through meeting with a Financial Planner or an Independent Financial Adviser they could’ve planned ahead. Instead of the £2,500 (plus fees) cost, they could’ve spent £262 (including a Court Fee) and not missed a single mortgage repayment.

Have you set up a Power of Attorney? For as little as £262 you could make sure you won’t end up like Martin and Sally if the worst happens. Call Assured Wealth today or book a free meeting with one of our Financial Planners to get started. Call today: 01925 396122.

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Why Choose us


Investment portfolio review


Cash flow modelling


Fully Independent


FCA regulated


Financial planning


Estate planning qualified


Pension transfer specialists


Occupational pension specialists


All types of mortgages


Care fee planning


Low cost fees


Corporate planning


Wealth management


Retirement planning


Inheritance tax mitigation

Not sure what's right for you? Let us help you decide.