Do I Need Financial Advice?

Financial Advice helps you to make the most of your life, free from money worries and able to concentrate and focus on more important things - like your family, for example.

The journey towards financial freedom should be smooth, easy to navigate and understand, and keep you away from choppy waters and into the calmer waters of financial security. Getting the right advice plays a critical role in making that journey to safer waters happen. 

We understand that financial planning is not about a quick-fix, it’s about a well-structured plan that helps you recognise opportunities, consolidate gains, protect yourself and your family against unnecessary risks and leaving you able to enjoy life without financial concerns.

We equip ourselves with the very best knowledge, insight and experience. We can assist all of our clients, no matter their age or personal circumstances, throughout their different life stages to have a practical financial strategy that will enable them to reach their financial goals sooner.

But could a financial advisor really help you? 

Let’s start by looking at some obvious questions. What are your overall financial goals and aims? Could a sound financial plan inspire, equip and empower you to make them a reality? 

We believe it can, and we believe we’re uniquely placed to help you make it happen. Let’s look at how we can help you.

Who can benefit from financial advice?

The short answer here is anyone, no matter how old you are or what stage of life you’re at.

Let’s look at some examples of that.

For younger people, who are just starting out on their financial journey we can offer tailored help and advice. Perhaps you have started your first job and you want to make the most of your income and reduce debt, such as a HECS debt or personal loan.

We can help you establish a financial plan and a budget that addresses your investment, pension and insurance advice needs, laying the first foundations of the building blocks of your financial future, while you can still have fun and enjoy life!

In your 20’s and 30’s, you may now wish to focus on growing investments and protecting your lifestyle. At this point in your life your priorities may be changing, but you still want to build wealth. Perhaps you are on a reasonable income and you want advice on ways in which to grow and protect your money. Our expert team can help with that. We can consider the financial security of your loved ones, while you continue to grow your investment and assets. We can show you that it is possible to continue on a financial journey even with an active lifestyle, or the expense of a young family.

​As you begin to reach your middle age, you will find yourself getting realistic about setting retirement targets. If you are in the 45 – 55 age bracket you might be at a point in your life where your income is getting higher, but your commitments and expenses are also greater. We can show you how your investments and pension can flourish while maintaining financial security through an insurance protection plan.

This is also a good time to look at pre - retirement strategies so when the time comes, you have a sound plan in place to take you smoothly into retirement.

​In your pre-retirement years, you’ll need our advice more than ever to help you to organise and enjoy your retirement. The run up to retirement presents some unique opportunities to restructure your pension and investments, save money on tax and ensure you’ve set yourself up for a worry-free future. We have the know-how and expertise to make all of that achievable for you.

When you are ready to relax into retirement you want a secure income, to maximise your pension and benefits, and to enjoy the peace of mind that comes from knowing you have a plan to make sure your assets are passed on the way you want them to be.

We can help reduce the stress around your retirement, so you can live the lifestyle you want.

​Facing the reality of asset and estate planning can be difficult, after all we all want to be young for as long as possible, enjoying the best life has to offer, but inevitably, as we all get older and our needs and levels of care needed can change as we enter different phases of our life.

​Managing these changes can be stressful and emotional, as we want to make good decisions for ourselves and those we care about.

As professional financial advisers specialising in estate planning, we can help you understand where to start. We can explain your options and make sure you’re fully prepared for whatever the future has to offer..

Planning for your retirement also includes planning for your families inheritance and what you might leave behind, and we’re able to assist you in making these preparations.

Ultimately, you should feel confident in seeking the advice and help of a professional financial adviser no matter what stage of your life you’re at. As we’ve explored, each of your life stages brings with it various unique challenges and we’re here to help you through each of those and to keep you on the path to lifelong financial security and wellbeing. 

These life events can be sporadic and may not happen in a predictable manner, so early preparation is key for lifestyle preservation in retirement.

Of course we can only offer our help and expertise to those who seek it, and so we’re always looking to help new people so that we can expand the numbers who are on the right road to a solid financial future.

All new or potential new clients can rest assured that our friendly and experienced staff are happy to help with all of your queries, with the added reassurance that we have many years of expertise in the field of financial and investment advice and planning; and so right from the moment you make contact with us, you’re talking to a team who’re poised and ready to help.


Start planning your future. Speak to us today.

Contact Us

Seventy Financial Planning
The Apple Store, Haggs Farm,
Haggs Road, Follifoot, Harrogate,

01423 611004

[email protected]

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