Financial Planning

It may seem basic but everything we do needs to be geared to managing our finances so that we can achieve long-term security. Sky Blue Wealth Management can help you map out the best routes for you to take. We will offer holistic advice that will take everything into account to ensure that every possibility is explored, every base covered, and every penny works for you.

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The financial planning journey

WHAT CAN FINANCIAL PLANNING DO FOR YOU

Financial planning can help everyone. It isn’t reserved for the rich, or sophisticated investors, because we all want to make sure we are making the most of our money.

Whether it’s making a retirement plan, investing to provide for your children’s education or preparing for retirement, financial planning can help everyone across their lives.

A good financial adviser should be a trusted partner who can help you achieve your financial aspirations and protect those you care for through the changing circumstances of your life and potentially in the event of disaster. However, most people don’t really know what financial advisers actually do.

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Investment planning and asset allocation

NO LONGER JUST AN ART FORM

Investment planning is now more of a science than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?

Investment planning and asset allocation is a multi-stage process. The actual execution of investment transactions is virtually instantaneous, but the decisions behind them need time and should not be hurried. There are many different approaches to the investment planning and asset allocation process, but most will broadly follow the step-by-step framework explained in this guide.

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Taking income at retirement

PLANNING THE LONGEST HOLIDAY OF YOUR LIFE

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.

The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you can make with your pensions.

This guide will help you understand the key issues and decisions that will affect your income after retirement.

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Pensions and tax planning for high earners

MITIGATING A GROWING TAX BILL

If you are a high-earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.

Increasing the tax burden for higher earners has been a deliberate policy of successive governments. For instance, the thresholds for phasing out the personal allowance and the start of the additional rate tax threshold have both been unchanged since they came into force in April 2010.

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Financial protection – for you and your family

PROTECTING WHAT MATTERS MOST

Most people’s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, if the worst should happen, the right amount of money will reach the right hands at the right time.

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Investing for Children

INVESTING FOR THE FUTURE

Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.

Whatever the reason, tax will be a major factor to consider, as will the risks of giving children too much money too soon. It is therefore important for parents and others to appreciate the basic tax and legal rules, and the investment products that are suitable for children to help achieve the goals set for them.

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Massive thank you

I just wanted to say a massive thank you to Mr Graham Foster and the team at Sky Blue Wealth Management Ltd in supporting the local schools and community through Key Pathways. In providing Bullying and Road Safety Publications in to the local schools and community.

Without the help and generosity of people like you the work we do with your children in the schools would not be possible and it really does help change children’s lives and safeguards your children in enabling us to do talks with the emergency services. We sincerely appreciate your valued support of local schools and businesses within your community and neighbouring areas. Your contribution plays a vital role in helping these institutions thrive and grow.

I would like to take this opportunity to wish you all the very best for the future.
Your support has really helped change children’s lives.

— Key Pathways Ltd

Financial Planning

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Massive thank you

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