Financial planning services are adapted to people of different ages. The individual strategies and services recommended to someone in one stage of life are often different to those that are recommended to people within a different age group. Experienced financial planners will call upon an age group framework to inform the services they recommend. However, financial advisers must consider individual circumstances, life events and long-term goals when making recommendations.
The mid-life stage typically includes people over the age of 30 but under 50. During this stage of life, people start to have increased financial obligations and start considering their financial future more seriously, making it easier to engage these people in financial planning services compared to younger age groups. These people are within an important stage of their own wealth accumulation period.
Milestones within the mid-life stage
During the mid-life stage, many people will experience increased wealth due to career progression and promotions. How mid-lifers manage this increased wealth can significantly affect their financial future, which is what makes financial planning services especially beneficial at these moments. Even if people in this age bracket aren’t experiencing increased wealth, they could use financial planning services to strive for a more comfortable future.
Some of the other milestones and related services during this time are:
- An increased focus on saving for major purchases, such as buying a property
- Saving to start a family
- Paying for children’s education
- Bolstering emergency funds and retirement investments
For these reasons, many mid-lifers can benefit from specific financial services, such as mortgage advice, savings and investment advice, pension planning and more. Without utilising financial planning services during this stage of life, individuals might miss opportunities to improve their financial circumstances in the future, including during retirement.
Bespoke financial planning services for mid-lifers
As mentioned, it’s crucial that individuals are treated as such and only receive tailored financial planning services. People during this stage of life may need advice and services related to other life events that are fairly common during these ages, such as:
- Business ventures
- Divorce and separation
- Caregiving to parents and loved ones
- Receiving an inheritance or a windfall
- Changing careers and or re-education
Our financial advisers and planners always provide an individual service, which accounts for your specific life events and experiences. Contact us now for more information.
MEET OUR Director/Wealth Manager
Aman Mashiana
Aman Mashiana is a strategic wealth management professional with more than 15 years’ experience building and leading advisory practices, managing substantial client portfolios, and delivering sustainable revenue growth in competitive financial markets.
The best solutions often start with the right questions!
FAQ'S
Not at all. We believe great financial planning should be accessible. Whether you are just starting to build your assets, navigating a major life transition, or managing multi-generational wealth, we tailor our advice completely to your current situation and future goals.
Our initial conversation is entirely exploratory and comes at no cost to you. It’s simply a chance to get to know each other. We’ll discuss your current financial picture, what you hope to achieve, and how we might be able to help. You won't need to sign anything or make any big decisions on day one.
We want to make managing your wealth as convenient as possible. We are happy to meet face-to-face at our office, or we can host a secure virtual meeting via video call (such as Microsoft Teams or Zoom) if that fits better into your busy schedule.
We believe in absolute fee transparency, meaning we agree on all costs upfront before any work begins. Depending on the complexity of your needs, our fees may be structured as a transparent percentage of the assets we manage, a flat fixed fee for a specific project, or an hourly rate. There are never any hidden costs or surprise bills.
Absolutely. It's incredibly common to lose track of old workplace pensions over time. We can help you trace your scattered accounts, review their current performance and fees, and—if it makes financial sense—consolidate them into a single, high-performing, and easy-to-manage retirement plan.
We don't believe in cookie-cutter portfolios. We take the time to deeply understand your time horizon, your specific life goals, and your personal comfort level with market volatility. From there, we build a diversified portfolio designed to grow your wealth steadily while keeping your risk well within your comfort zone.
Yes. Making money on investments is only half the battle; keeping it tax-efficient is just as important. We actively structure your wealth to minimize Income Tax, Capital Gains Tax, and Inheritance Tax, ensuring more of your hard-earned money stays with you and your loved ones.
Tax planning, estate planning & Inheritance Tax planning are not regulated by the Financial Conduct Authority.
Not at all. We believe great financial planning should be accessible. Whether you are just starting to build your assets, navigating a major life transition, or managing multi-generational wealth, we tailor our advice completely to your current situation and future goals.
Our initial conversation is entirely exploratory and comes at no cost to you. It’s simply a chance to get to know each other. We’ll discuss your current financial picture, what you hope to achieve, and how we might be able to help. You won't need to sign anything or make any big decisions on day one.
We want to make managing your wealth as convenient as possible. We are happy to meet face-to-face at our office, or we can host a secure virtual meeting via video call (such as Microsoft Teams or Zoom) if that fits better into your busy schedule.
We believe in absolute fee transparency, meaning we agree on all costs upfront before any work begins. Depending on the complexity of your needs, our fees may be structured as a transparent percentage of the assets we manage, a flat fixed fee for a specific project, or an hourly rate. There are never any hidden costs or surprise bills.
Absolutely. It's incredibly common to lose track of old workplace pensions over time. We can help you trace your scattered accounts, review their current performance and fees, and—if it makes financial sense—consolidate them into a single, high-performing, and easy-to-manage retirement plan.
We don't believe in cookie-cutter portfolios. We take the time to deeply understand your time horizon, your specific life goals, and your personal comfort level with market volatility. From there, we build a diversified portfolio designed to grow your wealth steadily while keeping your risk well within your comfort zone.
Yes. Making money on investments is only half the battle; keeping it tax-efficient is just as important. We actively structure your wealth to minimize Income Tax, Capital Gains Tax, and Inheritance Tax, ensuring more of your hard-earned money stays with you and your loved ones.
Tax planning, estate planning & Inheritance Tax planning are not regulated by the Financial Conduct Authority.
