Established & forward planning

The value of pension and investments can fall as well as rise. You may get back less than you invested.

By your mid to late thirties and forties many people are more established within their chosen career. This usually equates to an increased income, increased borrowing and increased pressures on your finances. These pressures could be due to have a young family or an improved standard of living, including loans for new cars or homes – or perhaps expensive holidays.

Despite the pressures on your finances it is important to review your situation and keep your future plans alive by:

  • Setting financial goals
  • Reviewing your budget
  • Putting in place a savings plan for large expenditure such as family holidays, a new car, home renovations or your children’s education expenses
  • Manage your debts and borrowings
  • Protecting your income, family and home and ensuring relevant cover is in trust to beneficiaries
  • Cash Flow Planning.

You might also want to consider such things as investing surplus income into tax efficient investment vehicles to reduce tax. It’s a good time to review, and if possible develop your investment portfolio, ensure you have adequate life insurance to protect your family, prepare your estate plan and make sure your superannuation is in order. When life is busy it is easy to lose sight of your financial goals, but this stage is crucial in ensuring your future wealth. Getting the right financial advice at this stage of your life is critical.

To take the next steps on your financial journey contact us on

Tel: 0151 7271257 or email emma.craig@prosperityprivatewealth.co.uk


Tel: 0151 7271257

Prosperity Private Wealth Limited is registered in England & Wales no 9247359.

Registered Office: 109 Knowles Hill Rolleston On Dove, Burton On Trent, Staffordshire, DE13 9DZ.
The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.


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