Financial Planning

We don't see financial planning as a set of definitive products or services, but rather a comprehensive process that defines your goals and then sets you up to achieve those financial goals.

Once we have a clear picture of where you want to be financially, we help you prepare for each stage of your life. Our process begins with an initial complimentary session during which we get to know you, your life stage and genuinely begin to understand your objectives, lifestyle and family circumstances. Once we fully understand where you are, and what is your wealth destination, we will make recommendations on how you'll get there and how we'll help you stay on track to achieve your goals.

Following the implementation of your portfolio, we monitor and review your portfolio for opportunities, provide strategic direction and tailor our advice to you.

Finishing school

Finishing school presents many opportunities and challenges. It's an exciting time as you make your transition into the adult world. Do you continue with your education? Do you take a gap year to enjoy life and think about your future? Do you get a job and start your career straight away? Whatever you decide, we can help guide you in understanding the cost and saving implications, help you plan for education costs, bills and rent and save for a deposit on a house, travel or a car.

Career progression

As you move along your the career path, you'll not only benefit from more experience, but more financial rewards as well. It's important to start thinking about how to make the most of this increase in wealth and consider how to manage any additional debt you take on, investments you may want to make, retirement savings and estate planning.

Career peak

You've reached the peak of your career and it's time to consolidate and protect your future wealth. We will work with you to develop an investment roadmap with strategies to help protect your current and retirement lifestyle.

Getting married

Getting married is an exciting time and means the beginning of many new things - you are now in a a partnership and your finances and expenses are merged. It's time to think about how you'll best manage this, particularly if you are buying your first home. Now is a great time to think about retirement too and begin making a long-term commitment to savings. We will help you understand each other's money management philosophy, help you with budgeting, lifestyle and income protection.

Starting your family

It's essential to plan for this as it typically means you'll soon be managing on just one income. It's an expensive time as you set yourself up for your new arrival. Longer term as your family grows up, or grows in number, there's more thought needed to help control finances and plan ahead. We can help with budgeting and savings and introduce ways to reduce debt, whilst protecting your income and lifestyle. We can also help you understand government benefits and how you can maintain retirement strategies even when you are budgeting.

Empty nesting

When your children leave home and start out independently, it's time to rethink your plans, especially if you are approaching retirement. Do you want to downsize the family home? Would you like to retire early? How can you best protect your income and lifestyle? What investment decisions do you need to make? We'll work with you to create an investment plan with individual strategies for investments and retirement to keep you on track to reach your goals.

Life changes

Divorce? Death of spouse? Inheritance? Unforeseen life changes can make a huge impact on your immediate and long-term wealth and will often force you to make major decisions. These stressful and emotional times call for good sound financial advice. You will need to rethink your investments and perhaps sell or downsize the family home. You may need to rethink your retirement plans and revisit your estate plan. We are here to advise you every step of the way, and can help you to refocus on new budgets and strategies to match your new circumstances.

When you approach retirement, it's comforting to know that everything is in place for your long-term financial well-being.

You want to be sure that your retirement funds are protected and that you have carefully considered what to do with your assets, and how to plan and manage your estate. Do you want to downsize the family home? Do you want to transition into retirement by reducing your hours or do you have a specific finishing date in mind? You are also going to have a lot of time on your hands and you will need to consider what you'll do with that.

At MBC Wealth, we'll work with you to create an investment roadmap with individual strategies for investments and retirement to keep you on track. We can also provide intergenerational advice, helping you make the transition to this new and exciting stage of your life.