Financial Planning

How much is enough?

Proper financial planning gives you an answer to this question but there is no short cut to get to it.

Having ascertained what is important to you in your life, your goals and aspirations - financial planning will show you how much money it will take to keep and maintain the lifestyle you want, both now when you’re working and, in the future, when you have retired.

To know how much is enough, we first of all need to know about your assets, liabilities, current incomes and expenditure in detail.

All the information you need is already at your fingertips, in your latest bank statement, mortgage statement and/or your policy documents whether they be ISAs, pensions or insurance company contracts.

There is always a temptation to give this exercise a miss and throw out rounded-up figures off the top of your head, like five grand for our holidays each year, six hundred quid a month for food, £100 a month on petrol and so on but experience has shown that without the detail, you don’t get to the truth about your money that allows you to understand the consequences of your choices and actions.

Once we have collated the data and agreed that it is correct, Sutherland IFA can then give you a Lifetime Cashflow Report which we run to 100 years old but you can choose any age you want.

The Lifetime Cashflow Report allows you to look into your financial future today, and see based on your data, what that looks like, whether or not it measures up with the lifestyle choices you want, and if it can be maintained throughout your lifetime.

Will I run out of money? If so, when?

Will I die with too much?

What to do I need to do to check that my future finances are on track?

If I died yesterday, would my partner have enough to live on?

What else can I do in my life before it’s too late?

How much more can I afford to spend, or give away?

What’s the least amount of return (risk) I need to satisfy my objectives?

When can I afford to retire?

Knowing what your financial future looks like, and what actions you need to take now, Sutherland IFA will then provide you with a Financial Plan, that year on year, will change and develop as your life does, to make sure that you stay on track to achieve those goals and aspirations.

If that sounds good to you, and you’re happy to put the plan into action, Sutherland IFA will then go ahead with selecting products and services from the whole of market to help you succeed on your financial journey.

What our clients say...

10 Reviews

Good updates and investment advice

Thanks for keeping us updated and for all your hard work in looking after our investment funds so far, difficult times all round. Your plan is fine with me!

HD, Oxford

10 Reviews

Indepth investment reports

Your reports are always very interesting and I always learn something when I read them. We have complete trust in you. Thank you.

AP and BP, Underwood

10 Reviews

Extremely informative emails

I just wanted to thank you very much for keeping me up-to-date with your extremely informative emails on the current financial situation in these very challenging times. You must be worn out keeping abreast with the changing markets, but your emails help so much to keep calm. Needless to say, I am not watching the markets on principle and am leaving it to your very capable hands and it is much appreciated.

CC, Cheltenham, Gloucestershire

10 Reviews

Just to say thank you for your help and support

S and I are very grateful for the way that you communicated clearly and put together all the information required. You are a gentleman and a true professional.

GM, Oldbury, Birmingham

10 Reviews

Very helpful information

Thank you Neil for a very good lesson to help me understand exponential growth and the excellent graphics alongside!!

PC, Farnham, Surrey

10 Reviews

Really enjoyed your latest bulletin!

Just a quick note to say how much I enjoyed your latest bulletin. Fascinating story about David Bowie and your fulsome explanation of Corporate Bonds!

DR and HS, Southfields, London

10 Reviews

Excellent advice and guidance

Neil has been my financial adviser since the late 1980s and at all times I have felt more than comfortable with his advice and guidance. I firmly believe that he places all my financial interests at the forefront of any recommendation. Over the years I have followed Neil as he has changed organisations, and it is my intention to keep Neil as my financial adviser in the long term. I have no hesitation in recommending him to you.

SE, Wandsworth

10 Reviews

Great service, always kept informed!

We have known Neil Sutherland for some time. When we sold our business we were looking for some advice on investments for the proceeds from the sale; we wanted a balanced and diversified portfolio. Neil was able to explain to us with absolute clarity his thoughts on our investments which have since proved to be sound. If there are changes in the financial markets, he always keeps us informed. We are very happy with the service that he has provided for us.

DD and PD, Ludlow, Shropshire

10 Reviews

His skill set not always found in the adviser space!

Neil Sutherland has been my IFA for many years during which time he has taken responsibility for the management of my pension and money held in Trust for my children. His background in stockbroking provides him with a skill set not always found in the adviser space. His consideration of requirements is handled professionally and intelligently with true attention to ensuring customer understanding. I trust his integrity and have always been secure in the knowledge that Neil is constantly striving to give the best return for his clients in line with their needs

AC, Wiltshire

10 Reviews

A very good understanding of financial advise

Neil has been my Financial Adviser for nearly ten years. His knowledge and understanding of financial products and markets, and the complexities of governance and the various codes of practice are all extensive. As well as having a thorough understanding of our family’s financial objectives and our attitude to risk, Neil regularly reviews and reports on our portfolio. We greatly value his advice and the fact that, being independent, he has access to a wide variety of options. I have no hesitation in recommending his services.

BM, Bath

		Arrange a Lifestyle Planning Meeting A meeting at our expense to identify where you are now, how you got to where you are now, and where you’re trying to get to in the next 5, 10 and 20 years and so on for the rest of your life; in other words, a Lifestyle Plan.

		Arrange a Financial Planning Meeting Another meeting, again at our expense, to identify all the resources available to you now, resources that will become available in future, and most importantly resources that might have to become available to satisfy the needs of your Lifestyle Plan.

		Arrange an Implementation Meeting of your Financial Plan If, and only if, your Financial Plan indicates that that your needs would be best served by a financial or investment product and service, it is at this point that a recommendation will be made, again at our expense. If you are happy to go ahead in full knowledge of the facts and the fees involved, we can then start to implement your Financial Plan. If you want to walk away at this point, no problem; we wish you well and it won’t have cost you anything.

		Arrange an Annual Forward Planning Meeting Now on board as a Sutherland IFA fee-paying client, an annual meeting is held to make sure that your Lifestyle Plan and your Financial Plan are on track to meet your financial goals and objectives.

Regulated

We are authorised and regulated by the Financial Conduct Authority.

Protected

Assets are protected by the Financial Services Compensation Scheme.

Trusted

We are authorised and regulated by the Financial Conduct Authority.

How much is enough?

Proper financial planning gives you an answer to this question but there is no short cut to get to it.

How we work

Arrange a Lifestyle Planning Meeting

Arrange a Financial Planning Meeting

Arrange an Implementation Meeting of your Financial Plan

Arrange an Annual Forward Planning Meeting

What our clients say...

Good updates and investment advice

Indepth investment reports

Extremely informative emails

Just to say thank you for your help and support

Very helpful information

Really enjoyed your latest bulletin!

Excellent advice and guidance

Great service, always kept informed!

His skill set not always found in the adviser space!

A very good understanding of financial advise

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