True financial planning is the process of meeting your goals...

You don't have to be a millionaire to enjoy financial security and achieve your goals.

No matter how much money you earn or what you aim to achieve with it, sound financial planning can make it happen sooner by helping you to maximise, protect and manage your money throughout your life.

The process of independent financial advice will help you to apply some of the secrets of financial security that many wealthy people understand. They are secrets not because few of us are aware of them, but because very few of us practice them.

These secrets are, in reality, skills. Essential money skills that most wealthy people have in common and use to create and enjoy financial security.

The secrets of financial security

The secrets, or skills, of financial security don't involve “get rich quick” schemes or complicated strategies, but do require commitment and action. You already know that achieving financial security doesn’t just happen. It’s up to you to take control and create a plan built around the following key steps:

• a goal – the motivation behind your plan. Whether its short or long term, small or large, without one you're likely to lose interest or fall short;
• a budget – spend less than you earn and control your debt;
• a savings and investment plan – decide how much you need to put away and where to invest it for maximum return with minimum risk;
• a protection plan - protect your plan against financial risk;
• discipline – maintain your efforts and review them regularly;
• patience – building your wealth takes time!

It doesn't have to be hard work and can be very rewarding if you see it through. This is where independent financial advice can provide direction to your decisions and help you to understand how each choice you make affects other areas of your finances. You can adapt more easily to life changes and feel more secure that you are on track to achieve your objectives.

A six step financial advice process

When developing a financial plan for you, we use a six-step advice process. This starts by defining where you are today, what resources you have available and precisely what your personal and financial goals are, for example…

• Moving to a larger house in a better area
• Paying off your mortgage early and being debt free
• Being able to retire early on a comfortable income and regular holidays

The process includes gathering relevant financial information, setting life goals, examining your current financial status and coming up with a strategy or plan to assist in achieving your objectives.

Why choose Clarity Financial Advice Financial Advisers?

Personal financial advice tailored to you and your goals
You will only get personalised, independent financial advice tailored to you and focused on meeting your goals not selling financial products.

Unbiased and independent financial advice
We are independent financial advisers and not owned, affiliated with or tied to any financial services product provider. This enables us to provide you with fully independent and unbiased financial advice.

No pressure, no obligation, no time limits
You will never be pressurised into making any decision or
accepting our recommendations which are made without
obligation.

You’re in control
Although we give the advice, you make the decisions. You
decide the level of financial advice you want to receive and can cancel the process at any time without cost, penalty or obligation.

Request a free financial planning consultation?

Even if you have a financial plan or good idea of where you want to be, a second opinion from an independent financial adviser can help give you confidence in your present as well as your future. The initial consultation is free and without any obligation.

You are very welcome to visit us here at our offices between Sheffield and Chesterfield to discuss your needs or, if you prefer, we can visit you at home or work if located in the South Yorkshire or Derbyshire area. Outside of these local areas we suggest a telephone or email consultation with an independent financial adviser.

Request Your Free Financial Planning Consultation >>