Why should I plan for the future?

“Life is what happens to you

While you're busy making other plans”

                                                                   - Beautiful Boy (Darling Boy), John Lennon

Are you asking yourself if you should you plan for the future? Have you wondered why you would do that when you could be getting on with your life? Do you think that making a plan stops you from doing that?

 Then this post is for you.

It isn’t the job of financial planners to argue with poets, but let’s take a moment with that John Lennon quotation... 

Have you ever stopped to ask yourself what ‘planning’ actually is?

‘Planning’ is thinking, feeling, reflecting about what you would like your future to be like.

‘Planning’ isn’t spreadsheets and risk analysis and ‘what ifs’

‘Planning’ is poetry'

 Planning is taking a good look at your life and realising that you are worthy of your own time.

That’s what I see every day in my job. I’m very lucky, people share their hopes and dreams with me and we design a path to get there.  Or, we adjust their path from last year. 

Planners are people who allow themselves the opportunity to look at their lives with optimism and the belief that they can create a future that they have designed with themselves in mind.

And, what does “Life is what happens to you” actually mean?

It’s true that life doesn’t always go the way you thought it would. There are always variables. Uncertainty has always existed.

But if you choose to become a planner Life is what happens to you” takes on a new meaning.

If Life is what happens to you” means that the universe will throw you a curve-ball – let’s say an unexpected redundancy – having a financial plan will mean that you are in a better position to respond to this change rather than react to it. You have the opportunity to direct the outcome of life’s uncertainties wisely and in your favour.

Plans look different to different people. Maybe you want to own your own house, learn to invest, learn to save, to build. Maybe you want to direct your money rather than money directing you.

In my work with hundreds of clients over the years, I have done my bit to help with plans like these…


• “We want to tour Europe for a year"
• “I’d really like to own my own little place"
• “My Dad paid off our mortgage when I was 40. I’d like to do the same"
• “Our jobs are emotionally draining; we want to stop work a few years early"

...and plenty more besides.

What are you hoping for?

To get started; write down the sentence that sums up what you can dream of. It’s probably best if your dream feels feasible, but don’t let me restrict you…

We are here to help. Money is what we do. So do call us, and see what you could be creating with yours.

Tax laws can change.
The value of your investment can go down as well as up and you may not get back the full amount you invested.

Past performance is not a reliable indicator of future performance.
Investing in shares should be regarded as a long-term investment and should fit with your overall attitude to risk and financial circumstances.

(i) John Lenon quote source
The Beatles - All These Years: Volume One: Tune In


Here's a little more information about our team:

Q: Qualifications Include

A: My degree in modern languages included a module on economics and personal finance, and that's how I got into financial planning.

Since then, I've become dual qualified as both a Certified Financial Planner and a Chartered Financial Planner, including the specialist qualifications in Tax & Trusts (G10) and Pensions (AF3/G60).

The full list is:

AF3 - Pensions (CII) (I did that to totally update my pension knowledge, as I had done G60 in 1994.)
K10 - Retirement Options (CII)
K20 - Pensions Investment Options (CII)
G20 - Personal Investment Planning (CII)
Chartered Financial Planner (CII)
ER1 - Equity Release (CII)
HR1 - Home Reversion Plans (CII)
G10 - Taxation and Trusts (CII)
CFP - Certified Financial Planner Licence (IFP)
H15 - Supervision and Sales (CII) 

In November 2016 I added the STEP (Society of Trust and Estate Practicioners) Certificate for Financial Services.

Q: Do your clients have anything in common with each other?

A: They are all lovely and there are a few similarities in their aims that I've noticed. 

Many of my clients want to do more than just meet their own needs. They also see themselves as custodians of their money for the next generation or for other beneficiaries. 

In other cases, their aim is to manage their wealth efficiently during their lifetime, with the aim of spending it all… but minimising tax on the way there.

Q: What type of work do you enjoy most?

A: I do get a real sense of satisfaction from the work with those clients who engage me to manage the needs of two generations of the same time. That can be 'just' a long-term and balanced investment strategy or it can be trust planning and estate planning to avoid paying too much Inheritance Tax.

Q: Where would you be right now if you weren't at work?

A: In the Lakes

Q: In the film of your life, who would play you?

A: In my head, it's Uma Thurman, but I expect they would approach 'Nursey' from Blackadder II.

Q: Curry or Hot Pot?

A: Agh, too difficult. Curry.

Q: Sherbert or Chocolate?

A: Chocolate

Q: Lawn or Flowers?

A: Lawn

Q: What are you most likely to do whilst being 'on hold'?

A: Infuriate my colleagues by opening conversations then cutting off their reply when my call is answered.