They say that life begins at 40. Which means that financial planning is more important than ever at this stage in life. The sooner you begin to plan, the more comfortable you will be in retirement.

Life changes

Our perspectives start to change when we reach our forties. The kids are growing up, and their future becomes a big part of your financial planning. You may be planning to downsize your home or take advantage of the increase in income when the kids move out.

Even if your children are not quite grown-ups yet, your forties are the peak earning years, and you may find that you need guidance on how to make the most of higher income levels.


Whatever age your little ones are, supporting them financially will always be one of your main concerns. Whether you’re planning for:

  • School fees
  • University life
  • Grandchildren
  • Weddings

or just want to make sure that there’s enough left over to treat them to something special, your children are one of the main factors in both your life and your financial planning.

Retirement planning

You may not be thinking about finishing work for another 20-30 years. But, the sooner you begin to make plans for when the time comes, the easier it will be to transition. Use this time to make sure that your finances can support the lifestyle you want to have when you leave the grind behind.

Managing income

Your forties are prime earning years. This is when those years perfecting your trade begin to pay off.

Changes in life mean that you may find that you have extra income. Managing this income responsibly will mean that you can have extra treats in the short-term, whilst preparing for even bigger adventures in the future.

Please remember:

The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate Tax Planning.

Financial protection

What happens if you fall ill, are unable to work, or you or your partner passes away unexpectedly? It’s not nice to think about, but it is important to have plans in place, Should the worst-case scenario become a reality. Determining which Critical Illness Cover, life insurance or income protection plan works best for your family is one of the things we can discuss while creating your financial plan.

Life is full of unexpected events. Whether the car stops working, or the washing machine overflows, it is essential to have money available to deal with life’s hiccups without damaging the monthly flow of money. With financial planning, you can build an emergency fund, which will make those moments easy to deal with.

Big events

Milestone birthdays, family weddings and new additions to the family are exciting times. They can also be expensive, so make sure that you look to the future when putting a financial plan in place. Efficient planning allows you to have money to play with now, while being able to afford to make those memorable moments really special.

Contact me to arrange a convenient local meeting to discuss your needs. I listen to your circumstances, and where you want to be regarding finance and lifestyle, then we can work to create a plan to get you there.

I’m here to help.

If you have a specific financial problem you need solving, or simply feel you should be doing more to plan for the future, please get in touch.

Call me on 0131 549 9555, email, or complete our online enquiry form by clicking here.

Learn more about our process of cashflow planning


Case study

What do our clients have to say?

“My wife and I were looking to arrange finance for a project.

We wanted to know if it was possible to raise finance in the UK to buy a property in Spain. After hours of searching online, we settled on arranging a meeting with Keith.

He was knowledgeable, friendly and helpful.

Keith was able to recommend not only product which exceeded our budget expectations, but he was also able to put us in touch with a lawyer who could help to make it all happen.

We now have our dream home in the sun thanks to Keith, and we have continued to rely on him ever since.”


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