Accalon Associates Ltd

Will Lloyd

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Investments

Every client has different requirements for investment. It could be for general saving for the future or for future income. You may have a specific project or event in mind or you may have had a windfall or inheritance. Whatever your requirements we take you through our investment process to :

  • Understand your investment goals and timing.
  • Fully analyse your risk profile and attitude to risk.
  • Research the markets to recommend investments or portfolios that meet these criteria.
  • Implement any recommendations that you wish to pursue.

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Retirement Planning

Enjoy your retirement…

For many people nowadays, retirement is a gradual process not a day set in the diary as it was for our parents and grandparents! A typical client will have a number of pension plans, employer schemes and savings as well as an entitlement to the Basic State Pension, making it difficult to decide when to take which and when?

On top of that you may wish to remain economically active and have many years left to carry on working but on your terms, not that of your previous employer.

For others, it is simply about knowing when they can stop doing what they now loathe doing and step into something they want to do but want to know they can afford to, by drawing on pensions and/ or savings.

In recent years the introduction of ‘Pension Freedoms’ has meant that a client has the flexibility to tailor their retirement plans to suit their cash-flow, attitude to risk as well as prudent tax planning. However, they need help and advice to get through the complexities of the pension system.

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Lifestyle Financial Planning

“Telling the truth about Money…”

Lifestyle Financial planning is about achieving life’s most important and profound goals. This is putting life before money and not the other way around.

Lifestyle financial planning helps clients identify, achieve and maintain a desired ‘lifestyle’. Money is central to our lives, from birth to death it shapes the way we live and it will have a bearing on most decisions we make.

How does lifestyle financial planning work?

Lifestyle financial planning is a process that starts with an exploration of your current life, concerns and issues. We work with you to help you develop a vision of where you want to be, how you want to lead your life.

This discovery phase will help us to work work out if your aspirations can be met and what steps need to be taken through your own bespoke financial plan.

The next stage is about implementation and we help you to form a clear and realistic strategy. For those who embrace the process the results can be often be life changing.

The plan moves onto a regular review process where we meet up to see if your goals or circumstances have changed and what needs to be done to amend your lifestyle financial plan.