Financial Planning In Your 40s
Welcome, my name is Matthew Tumbridge
I became an Independent Financial Adviser because I couldn't find this kind of service...
If you are in your 40s and want a financial plan, you probably want answers to these kinds of questions:
- How much should I be saving?
- How much should go to pension?
- Should I be investing?
- What is a safe investment?
And you are welcome to book a no-obligation conversation with me so that I can help you find the answers and take action sooner rather than later.
Book a free expert consultation today
Call on 0800 422 08 83 or click below to book a 15 minute callback. We will discuss your goals and arrange a free 45 minute online consultation:
What my customers say...
We wanted to invest some of our 25% pension lump sum. Matthew designed a portfolio that is clearly better than the ISAs we have had in the past.
We are in our 40s and have 3 children. We wanted a plan for our future, what to do with our pension, what to do with our savings. We have a clear plan now for our pensions and investments.
I was saving for buy to let. Then I found Matthew and realised investing was something I could do now and would be less risky, less stressful and just as profitable.
Why do you need a professionally designed portfolio?
Average investors only achieve 8.7% returns according to J.P. Morgan, this is 8% per year less than has been possible EVERY year over the last 10 years.
£20,000 invested in an ISA 10 years ago, achieving maximum market return would be worth £103,996. That's £83,000 growth.
The average investor's ISA has grown just £27,588 to £47,5888.
Book a free expert consultation today
Call on 0800 422 08 83 or click below to book a 15 minute callback. We will discuss your goals and arrange a free 45 minute online consultation:
Detailed investment advice - and a personalised portfolio plan:
My investment advice will be based on detailed research and evidence, to help you understand why it will work long-term. I will talk you through every step of the plan, to make it easy to understand the art and science of successful investing:
I will provide projections that help you visualize how building your pensions, savings and investments will pay for your lifestyle in the decades ahead, including inflation and changes that may come up as time goes on:
What does the investment advice look at?
The advice will assess the pros and cons, to reach a recommendation that covers these issues:
- Your goals and circumstances
- Tax allowances
- Pension or ISA? Or a General Investment Account?
- Optimising potential growth
- Protecting capital
Defaqto research of thousands of investment funds will then be completed to build your pension or ISA investment portfolios, to:
- Achieve the maximum equity market returns
- Over the last 10 years, this has meant investment growth of over 16% annually
- Some of our portfolios have achieved up to 20% annually
- Protect your capital in downturns
- Careful equity and bond fund selection is key
- Make full use of your tax allowances
- With Government freezing or reducing tax allowances year-on-year, this is a key part of maximising investment returns
- Be easy to understand
What happens after you present the plan?
If you choose to, we can offer a full implementation service which includes:
- Opening the required accounts
- Purchase of the recommended investments
- Annual review meeting
- Rebalancing of investments each year
- Being available to you throughout the year as your financial adviser
Accreditations
Matthew Tumbridge (MTFA) is an adviser with Julian Harris Financial Consultants, authorised & regulated by the Financial Conduct Authority. FCA Nos. 153566.
Matthew holds a Statement of Professional Standing from the London Institute of Banking and Finance.
Book a free expert consultation today
Call on 0800 422 08 83 or click below to book a 15 minute callback. We will discuss your goals and arrange a free 45 minute online consultation:
Get In Touch
If you think you may need financial advice, drop us a line and we will call or email you back as soon as we can.