Abbotstone Financial Solutions

Having worked together for over ten years with an International IFA firm, Georgina Wright and Robert Brealey founded Abbotstone Financial Solutions. I have been working in financial services for nearly 15 years. I started in a pensions technical role, which gave me a good grounding before progressing to be an adviser.

Before we undertake any work, we like to take the time to have a quick chat with you. We will then ask you to complete a questionnaire giving us a greater insight into your finances. Following this we will then typically arrange a meeting. This no-obligation meeting, which can either be face-to-face, over the telephone or Skype, will usually take around 45 minutes to an hour.

Financial planning can be difficult. How to best allocate your money, how much to save, where to save it, the myriad of life insurance and family protection options. The choices can seem incomprehensible! We start by getting to know you.

Not just facts such as how old you are or how much you earn, but also details such as what you want to achieve; when do you want to pay off your mortgage; when do you want to retire; how much money will you need in retirement; do you have any specific events planned such as a wedding, school fees, a 6 month round the world trip.We will look at your existing income and whether there are any savings to be made.

Steve and Clare are in their 30s and purchased their home five years ago. Steve is in full-time employment and Clare works part-time. They have two young children. Steve is a member of his company's contributory pension scheme, and Clare contributes through an auto-enrolment scheme with work.

Additional savings will need to be made in order for Steve and Clare to achieve the capital required for their future outgoings and in order for them to retire at age 60.Their main priority at the moment is providing for their family should something happen to them. Steve has life insurance through work of 4 x salary, but will only be entitled to statutory minimum benefits should he fall ill while at work.

It is easy to push aside financial planning when starting your life together. However establishing good financial habits early can make planning and managing your finances a lot easier. By examining your income and outgoings you can find out where your money goes and if any savings can be made. We all have a finite pot of money and often the most difficult decision is how best to use it.