This is arguably the most difficult phase of financial planning. Just as your values, long term objectives and goals become clearer, life can also start to become busier and more complicated. Unexpected and additional considerations can crop up at the very moment that your financial resources, and your time, are stretched. When that happens, it’s critical that you establish your financial priorities. Having expert assistance to help you, in the form of one of our qualified financial advisors, can be extremely comforting and valuable.

If you have just left university, your main priority may be to clear your student loans. Once that’s done, your thoughts may then turn to more positive tasks such as wealth accumulation, home ownership and retirement planning. When that happens, you are likely to need advice on mortgages and pension plans. It is also prudent to consider protecting your wealth and assets by establishing mortgage protection, income protection and critical illness policies.

Starting a family involves substantial costs and potential parents should consider their life assurance provisions as protecting the family’s overall financial interests becomes increasingly important.

During your working life, new employment opportunities may also need consideration. If so, we can help you quantify the perks on offer by comparing them with any current benefits you enjoy. We can also assess how well a new opportunity is likely to meet your long term needs and wants. This can be a complex process, which is why expert advice is critical – you may even manage to negotiate a better employment package through our explanations and analysis!

As you become more successful, your circumstances and goals may change. You may want to extend your home or move house. If so, our professional remortgage service can help you take the associated pressures in your stride. An accurate assessment of your available resources is a critical element of personal financial planning, but it’s particularly important at this busy phase of your life.

". . . Simon helped us to fully understand our short, medium and long term aims and then worked with us to map out a financial strategy focused on achieving those goals . . .   Although we live quite a distance from Paragon, each visit is well worth the 3 hour round trip to discuss any changes to our circumstances and to realign our strategy.  We would happily recommend Paragon to anybody in a similar position.”
Peter Johnson (January 2010)