As you go through different stages of your life, your financial goals are likely to change. What’s important when you first start work, may be different when you start a family or get closer to retirement. One of our financial advisers can help you balance what you need today so that you’re in a strong position to reach your long term goals.

Post graduate and Early Career
You may have just finished university or begun working in your first job and starting a career. Your goals could include:
- Paying off debts (ie. Student loan/overdraft)
- Starting to build up some savings
- Building up a good credit score

Advancing your career and starting a family
You may have got a promotion and extra income, bought your first home, got married and had children. Your goals could include:
- Getting on the property ladder and having a mortgage
- Needing insurance and protection for your home and family
- Increasing/changing your savings and pension investments

Mid-life and pre-retirement years
Your savings may have begun to build and your retirement is starting to loom. Your goals may include:
- Paying off a mortgage or other debt
- Increasing pension investments and preparing for retirement
- Paying for children’s weddings/university fees

Retirement years
You may now be working less or not at all, want to spend time enjoying your hard-earned pension money, or need extra healthcare as you get older. Your goals could include:
- Accessing retirement funds and reviewing budgets
- Estate planning
- Downsizing or considering options for assisted living