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Financial Planning... who really needs it?

There’s a phrase that states that good financial planning can ensure your retirement years are the longest, most fulfilling holiday of life – and there’s a lot of truth in that.


Most of us take steps to safeguard the future, not just for ourselves but for our family and those we care dearly about.


Of course, taking care of our finances, and making our money work as hard as possible, is by no means restricted to saving for retirement and making sure we’re financially sound later in life.


Whether it’s planning for your first home, a dream wedding, starting a family, a child’s university fees, a new car or just saving for that rainy day to ensure peace of mind – sound and smart financial planning is essential at all stages of life; whatever an individual’s circumstances may be.


Whilst most of us are pretty adept at managing the different aspects of our lives independently, it often pays to have an expert on your side.


Take fitness for example. We all know what it takes to get fit and healthy, but having a personal trainer in your corner who gets to know you personally, understands your goals and knows their profession inside out can have a huge positive impact. An impact that may otherwise take years to achieve on your own, or may never even happen at all.


Similarly, whilst we can all have a bash at interior design and decorating our homes, there are times when it is better to put your trust in an expert and be confident that they will do a fantastic job and deliver the end result exactly as you wished.


It’s exactly the same when it comes to financial planning. Put frankly, finances impact our lives too much to leave to chance.


While circumstances clearly differ person to person, here are just three reasons why hiring a reputable, experienced financial planner could enhance your life:

You want your money to work harder

We work hard for our money. You may be comfortable handling your personal finances, but it can often take an industry expert who lives and breathes it every day to make sound, beneficial judgements based on the ebbs and flows of the financial climate and changes in legislation. A financial planner can ensure you are ahead of the curve and that your money is doing what you need it to do, no matter what is occurring externally.

You want impartial and independent judgement

If we’re too close to things we can sometimes lose objectivity and make calls that we perhaps wouldn’t otherwise make. Similarly, if we’re under financial pressure, judgements can become clouded and we can get side-tracked with everyday life. Just as a good writer will have their work proofread by someone with fresh eyes and a different perspective, a financial planner can use all their experience and knowledge to give your finances and strategy the clarity needed to prosper.


Not doing so can be a false economy

Financial planning packages can be tailored to your exact needs and don’t need to cost a fortune. After all, financial planners have one clear objective – to help you make the most of your money. Hiring an expert can be a small price to pay for the huge financial impact they can have over many years and decades.

At JP Financial Planning, our guiding principles centre on truly getting to know our clients, understanding what their priorities are for their lives and their money and supporting them with expert, impartial, trusted advice.


It’s this ethos that has enabled us to become the well-respected organisation we are today – delivering results for our valued clients.


There is never a right or wrong time to seek out financial planning advice. Why not get in touch to see how we can make your finances work best for you?

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