Case Study

Financial Planning for a Busy Professional

Service provided:

Comprehensive Financial Planning & Wealth Management

The challenge:

Our client was leading a busy and successful professional life, with a high-pressure role that left her little time to focus on her personal finances. Although her company provided her with accommodation and she was enjoying life, she recognised that she needed help making her money work for her and securing her financial future.

As part of our role in setting up a group pension scheme for the company she worked for, we met with her to discuss her financial situation. She expressed a desire to build a solid financial strategy but wasn’t sure where to begin or how to prioritise her goals.

The solution:

We arranged a meeting with the client and her partner, to get a better understanding of their financial circumstances and long-term objectives. During this meeting, we identified that while they had dreams and aspirations—like many people—they lacked a clear strategy to achieve their financial goals.

Recognising this, we introduced them to our RDPD (Rich Dad Poor Dad) financial education approach, which encourages clients to think more strategically about money and wealth-building. Through a series of educational sessions and one-on-one meetings, we guided them towards defining their true goal: to get out of the “Rat Race” and achieve financial independence.

Our Philosophy

We explained our financial philosophy, which is centred around the following key principles:

Use what you have: Maximising existing resources and income.
Grow what you need: Investing in assets that generate income and long-term growth.
Release the flow of wealth: Creating a steady stream of passive income.
Ensure lasting financial security: Maintaining financial stability throughout life to support long-term goals and needs.
Enjoy the life: Using financial stability as a foundation for a fulfilling, stress-free lifestyle.

The Process

Fact Find and Goal Setting:

We conducted an in-depth review of our client’s current financial situation, including their income, assets, and liabilities. Together, we established their short- and long-term goals, ensuring these aligned with their vision of financial freedom.

Building a Strong Foundation:

Our first step was to develop a solid financial foundation, focusing on safe and secure planning. This involved ensuring they had adequate protections in place (such as life and critical illness cover) and that they were maximising the benefits of their group pension scheme.

Building Income-Generating Assets:

We then shifted the focus to building assets that would provide investment income, helping them move closer to their goal of financial independence. This involved creating a tailored investment strategy that leveraged their income and savings to generate passive income over time.

Ongoing Review:

Financial planning is not a one-time event. We committed to regular reviews of their progress, making adjustments to their strategy as needed to ensure they stayed on track towards their goals. By reviewing and refining their plan on an ongoing basis, we ensured they had the flexibility to adapt to any life changes or opportunities.

The results:

Through our structured approach and financial education, Sarah and Rich were able to take control of their finances, transitioning from simply hoping for future success to actively building a roadmap to financial independence. They now have:

Clear financial goals and a defined strategy to achieve them.
A secure foundation with protection in place and assets that are growing steadily.
Strong, asset-backed investments in properties, providing regular cash flow and allowing them to enjoy capital appreciation over time.
Tax-efficient pension and ISA pots, ensuring their long-term savings are growing in the most effective way possible.
Peace of mind, knowing they are on track to eventually leave the “Rat Race” and enjoy the lifestyle they desire without financial stress.