Why A Life Well Planned?

Why A Life Well Planned?

We have held many “conversations of a lifetime” with clients during which they will share what they would really want from life and why. Their thoughts and vision are the seeds of a Life Plan. But, it’s not unusual for the spell to be broken as reality kicks in with “yes, but and what if….”

In 2018 we added “Goal Mapping” to help our clients by providing a proven process to map out what you want and how to get it. However, it is normal for those “yes but/what if” obstacles to pop up.

We provide the support to keep you inspired and confident by providing the “how” to remove any obstacles that may appear. We establish “what needs to happen in order that…….”

We understand it is often “financial reality” that is the biggest obstacle to living your desired lifestyle and our long experience of constructing relevant, robust Financial Plans to support Life Plans provides you with the necessary reassurance.

We provide flexible service options tailored to meet your individual needs and wants.

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At A Life Well Planned we have the experience, tools and proven processes to enable us to challenge your obstacles and provide robust solutions to remove them.

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Recent Posts

Why Goal Setting Doesn't Always Work!

by Gary Arthurs • 26 February 2025

We set out with the best intentions, but.........

blog post

Spring-Cleaning Financial Clutter

4 May 2021

Is a financial check-up on your Spring-Cleaning list? Once you've tidied your lawn and emptied that out-of-control closet, let some fresh air into your home office and use these six tips to freshen up how you spend, save, and plan for the future. In our experience ensuring that clients remain confident in their financial situation now and going forward is important and setting aside some time, maybe a morning, is well worth it for peace of mind. By drawing a financial line in the sand, we can model the impact of your “what if scenarios” on current and future finances. We would advise doing this once a year in “normal” times anyway, but the events of the last year have almost certainly impacted upon your finances and may indeed have completely changed the way that you think about your future. 1. Pay yourself first. Making automatic contributions into your insurance, savings, investment, and pensions is a small budget adjustment that can go a long way towards building wealth over time. Is there extra money in your monthly cash flow that you could use to increase those investments? Do you want to save/invest more now - or enjoy a treat, break, holiday? How much extra could you contribute per year if you went from five coffee shop visits per week down to two, or started packing your lunch every day? Your life - your choice. 2. Review your monthly statements. Automating your investments and bill payments doesn't mean that you never have to check on them. Get back in the habit of reviewing your monthly bank and credit card statements. Make a list of all your recurring charges and subscriptions and consider cancelling anything you're not using enough to justify the expense. Also review the terms and conditions of your accounts and be sure you understand what fees, if any, your financial institutions might be charging you and what benefits you might be overlooking 3. Shop around. And if you don't like those fees? Of if the cost of your Satellite/Internet/Streaming TV bundles have shot up unexpectedly? Or if you never get near the data cap on your mobile phone/tablet service? There might be better deals elsewhere. Do a little comparison shopping, and don't be afraid to play some hardball if you can find ways to save a few pounds every month. 4. Check your credit report and score. You can also use a free credit score service to see where you stand with potential lenders and check for any major fluctuations in your score, which could be another indicator of fraud. Together, these reports will help limit any surprises if you're preparing for a big purchase in the coming year, such as a car or new home. Many such services also offer key services and options for loans, credit card rates etc 5. Scan and shred. Digitising your financial records can save space and simplify tax season. There are many apps and online services that can help you replace your filing cabinet with a cloud-backed folder, but snapping pictures of important documents with your cell phone is an easy way to get started. Once you've backed up your statements and receipts you can shred anything that's over three years old. Also review your hard copy filing system and make sure that your birth and marriage certificates, National Insurance cards, insurance policies, and Will are stored safely. 6. Talk to your financial planner. How have your short-term and long-term financial goals changed in the last year? Are you thinking about making a career change? Are your teenagers scouting colleges and universities? Is there a new baby on the way? Do you want to start making a bigger impact in your community through sustained giving? Is this the year you’re finally going to start your own company? Do you or your spouse have any new health care concerns? We use your answers to these kinds of questions to guide our Life-Centered Planning process. Annually, it’s a good idea to check if dust is settling on some out-of-date plans or if the path to any of your financial goals is feeling a little cluttered. Give us a call and we’ll schedule a meeting to shake off some cobwebs and put a fresh shine on the year ahead.

Plan Your Life First

9 February 2021

Plan Your Life First (...and then get a plan for your money)

Rethinking Your Career

7 October 2020

Has working from home given you a new perspective on the work you do? You might have to navigate a few extra obstacles if you want to change jobs during the pandemic. But the shifting business landscape has also created new opportunities if you’re clear on your personal, professional, and financial goals. Answering these four questions will help you determine how a career change could impact your Return on Life.

How Much is “Enough”?

7 October 2020

Do you have enough? Can you have enough? Have you got “too much”? How can you have “too much” money? Think about this. You have lived a good and long life. You are doing well, but you might have lost a bit of enthusiasm for travel. Not just going abroad, but even driving to relatives (can’t they come to us this weekend?) As a consequence, you are not spending much. No need for new clothes as you’re not going anywhere, you’re not going on “big holidays” (airport security is a pain), you’re not even putting much petrol in the car. It could even be that taxis/Uber is now a more viable proposition. No driving, no maintenance, no washing the car. Your bank balance is growing, your investments, including your home, continue to increase in value over time and, now your financial adviser is telling you that you have “an inheritance tax problem”! Actually, you don’t, but your heirs and beneficiaries might do! Your attitude might be “Let them pay the tax!” and that’s your call.

Financial Planning Is About Making Your Life Plan a Reality

7 October 2020

Many clients who work with us are surprised by how our planning process starts. We don’t begin by talking about ISAs, Pension Plans or how much you’re saving. Instead, we begin by talking about you, not your money. What is going on in your life and how would you like life to look like for you. We are looking to establish what you want and why you want it. As Life-Centred Planners, our process begins with understanding you and what you have planned for your life. We are interested to know about you, about your family, your work, your home, your goals, and the things that you value the most.

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