Frequently Asked Questions
This is often when income and responsibilities peak—making it the perfect time to maximise savings, reduce debt, and ensure your investments are aligned with your long-term goals.
We’ll create a plan that prioritises both. By structuring your finances strategically, you can fund short-term needs while continuing to grow your retirement savings.
Yes. As your income grows, it’s important to review and potentially rebalance your portfolio to ensure it matches your goals, time horizon, and risk tolerance.
A general rule is to aim for at least 15–20% of your income, but this depends on your starting point and lifestyle goals. We’ll calculate what’s realistic for your situation.
Life cover, income protection, and risk management are crucial, especially if you have dependents. These ensure your family is financially protected in case of the unexpected.
We’ll explore tax-efficient investments such as retirement annuities, pension funds, and trusts, helping you keep more of your earnings working for you.
The right balance depends on your interest rates, financial goals, and risk appetite. We’ll help you weigh the pros and cons so your money is used most effectively.
We recommend annual reviews, with adjustments made when major life or career changes occur. This ensures your strategy stays relevant and effective.