• Lifestyle Financial Planning

    Your Future Starts Today

Lifestyle financial planning is a holistic approach to financial advice that focusses on the big questions:

What kind of life do you want to live? 

What is most important to you?

What is the biggest weight on your mind right now – and how could it be lifted?

Before any mention is made of investment strategies, plans or products, we take the time to delve into what matters most in your life – and then we work with you to turn these priorities into tangible, actionable objectives.

How it works

Our 3-Step Process

We Listen

Understanding your goals and motivations is key. That’s why the first thing we want to know is your story, so that we can create your financial plan with the bigger picture in mind.

We Learn

We seek to understand exactly where you’re at financially, so that we can analyse the data, carry out the research and create the optimum strategy to help you reach your goals.

We Launch

Once you’re happy with your recommended strategy, we’ll put everything in place to make your vision for the future a reality. We’ll also review your plans regularly to keep them on track.


The key components of financial planning

Can I afford the lifestyle I want in retirement?

The number one question in retirement planning

In making retirement plans, we now have to account for 30 more years, since roughly one in five of us will live past age 90. This in turn increasingly means looking at alternative options, and more integrated strategies for retirement income provision.

Even if you can afford your lifestyle today, you have to consider what’s going to happen over the next 30 years as prices inevitably climb, some years more than others. Will your investments produce enough income?

As highly qualified Chartered Financial Planners, we will be able to consider these options in light of your individual needs, and map out the plans that are right for you. We will ensure you understand what your retirement income is likely to be, and if you feel this is insufficient, then we will explain and advise on the options available to address any shortfall.

What’s more, if you choose to engage with us on an ongoing service package, we will continue to monitor your income and assets to ensure you continue to enjoy a financially secure position – leaving you free to relax and enjoy your increased leisure time with confidence.

What’s the optimum investment strategy for me?

Making your money work as hard as it can

In the current economic climate, it’s nigh-on impossible to beat inflation without investing your capital. However, the sheer enormity of the range of options available is enough to overwhelm even the veteran investor.

How can you ensure you’re taking enough risk to meet your investment objectives, but not so much risk that you’re unable to cope during a market downturn?

To address this problem, we’ve adopted a risk-profiling process that enables us to put together a detailed picture of your ‘investor personality’ – through a series of questionnaires and number-crunching exercises.

Then, working from the ‘whole of the market’, we will be able to research and select financial instruments with attributes that match your specific needs and circumstances. We look to spread your investments across a wide range of asset classes and geographic areas, so the result is a balanced and diversified investment portfolio, carefully calibrated to match your individual risk mandate.

Dependent on your requirements we then usually include an arrangement for regular reviews to monitor progress and keep your plans on track.

To find out more about our wealth management services, click here.

Am I prepared for the unthinkable?

Putting a price on peace of mind

Most of us never like to consider how we would cope with the loss of our partner (or a key staff member), and placing a value on our loved ones or business partners can be a complex and emotive subject.

As a result it is very easy to bury one’s head in the sand and ignore the subject in the hope that ‘it will never happen to me’.

The good news is that many illnesses that were previously considered incurable have a completely different prognosis today thanks to the enormous advances in modern medicine.

Wouldn’t it be good to know that in the event of a major illness, impacting on your family or your business, you could focus on recovery and rehabilitation – safe in the knowledge that the financial impact has been taken care of?

At Thomas Heald we provide an independent planning service for all your protection needs.

We can help create the financial solutions and source the most cost effective products to allow you to carry on with your day to day life, knowing that your protection needs are taken care of.

As well as providing cost-effective solutions for families we also have a highly qualified team of specialists dealing with corporate business protection and are able to offer an initial meeting to discuss your needs without cost or obligation.

Am I investing too much in HMRC?

Tax-efficient decision-making is integral to the financial planning process

Tax planning is a key ingredient of a successful long-term financial plan, ensuring that maximum use is made of the tax allowances granted to us by HMRC. Whether it be maximising your pension and ISA allowance as you accumulate capital, or ensuring that your income strategy in retirement is as tax efficient as possible, these are essential ingredients to maximising returns over the long term.

If you are considering retirement or semi-retirement, withdrawing money from any investment needs careful consideration and planning, as it is vastly different to withdrawing money from a bank account. There are many factors to consider to ensure you don’t run out of cash too soon, or incur an unexpected tax charge.

Furthermore, with the introduction of pension freedoms, more people are seeking to draw down on their pension funds rather than purchase an annuity, so it is vital to receive expert advice as to the most effective long-term income strategy.

Enquire Today

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© 2019 Thomas Heald Limited. All rights reserved. Thomas Heald Limited (FCA No. 492792) and Thomas Heald Solutions Limited (FCA No. 528610) are entered on the FCA Register at https://register.fca.org.uk/. Registered in England No: 06622318. Registered Address: 6 Feast Field, Horsforth, Leeds, West Yorkshire, LS18 4TJ. Chesterfield Branch Address: 11 Napier Court, Gander Lane, Barlborough Links, Chesterfield, Derbyshire, S43 4PZ.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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