Real Financial Planning

A “Proper” Financial Plan is based on identifying the type of lifestyle you want, now and for the future. It needs to account for the things that are important to the quality of your life. It needs to include YOUR key life events – like selling a business, giving up work, or helping your kids through school or university. It could include buying a dream home in the country, taking the holiday (or holidays) of a lifetime, helping your family onto the housing ladder, or properly planning a legacy to preserve your wealth for future generations.

In short, Real Financial Planning needs to focus on YOU and your family, and what’s important to all of you – now and in the future.

It’s a step-by-step, structured process designed to give you confidence that your goals can be achieved, and that your investment decisions are geared towards real life aspirations and events.

If you’re unclear about how your financial assets or investments can help you achieve your real-life objectives, then read more below, or call us now on 0191 4661266 to discuss what’s important to you.

Making sense from the beginning

Good financial planning starts with an open mind and an open conversation, identifying the lifestyle you’d like to live – now, and in the future.

Let’s meet. Tell us what your life plan looks like, and what’s important to your quality of life. No matter how big or small your dreams are, clear goals are vitally important in planning your future and setting targets for your financial plan.

As your life progresses, so too do your horizons, your ambitions and responsibilities.

You’ll need to consider time-bound projects such as extending the house, sending the kids to university, helping them onto the housing ladder or organising the trip of a lifetime.

Maybe you’ll also need to consider the optimum time to sell your business, and how to extract your profits tax-efficiently.

For many, the most important part of your financial journey is planning your ideal retirement, and ensuring your assets are in place to support that lifestyle once you stop working.

At Vital Wealth Management, we understand the importance of goal setting, and help you sort through life’s distractions to identify what really matters to you and your family. We also understand that many of your goals have financial implications, and we’re on hand to help ensure you have the financial resources available, as and when needed.

We’ll help you clearly identify what’s important in terms of your lifestyle. We’ll identify achievable milestones, and we’ll build these into a bespoke and truly personal financial plan. Against this we can meaningfully measure your progress as time goes by, helping give you peace of mind and confidence that you can achieve, and keep, your desired lifestyle – no matter what may happen in future.

As time passes, we’ll continue to match the lifestyle you want with the financial plan you need to achieve your ambitions securely.

Life Planning

  • What point have you reached in life?
  • What are your ambitions?
  • How do you intend to achieve them?

Life Planning

  • What point have you reached in life?
  • What are your ambitions?
  • How do you intend to achieve them?

Making sense from the beginning

Good financial planning starts with an open mind and an open conversation, identifying the lifestyle you’d like to live – now, and in the future.

Let’s meet. Tell us what your life plan looks like, and what’s important to your quality of life. No matter how big or small your dreams are, clear goals are vitally important in planning your future and setting targets for your financial plan.

As your life progresses, so too do your horizons, your ambitions and responsibilities.

You’ll need to consider time-bound projects such as extending the house, sending the kids to university, helping them onto the housing ladder or organising the trip of a lifetime.

Maybe you’ll also need to consider the optimum time to sell your business, and how to extract your profits tax-efficiently.

For many, the most important part of your financial journey is planning your ideal retirement, and ensuring your assets are in place to support that lifestyle once you stop working.

At Vital Wealth Management, we understand the importance of goal setting, and help you sort through life’s distractions to identify what really matters to you and your family. We also understand that many of your goals have financial implications, and we’re on hand to help ensure you have the financial resources available, as and when needed.

We’ll help you clearly identify what’s important in terms of your lifestyle. We’ll identify achievable milestones, and we’ll build these into a bespoke and truly personal financial plan. Against this we can meaningfully measure your progress as time goes by, helping give you peace of mind and confidence that you can achieve, and keep, your desired lifestyle – no matter what may happen in future.

As time passes, we’ll continue to match the lifestyle you want with the financial plan you need to achieve your ambitions securely.

Financial Planning

  • What are you looking to achieve with your money?
  • Do you have an existing plan?
  • How flexible does your new plan need to be?

Secure your future today

Once we’ve identified what’s important to your lifestyle, we can calculate the resources you’ll need to achieve it.

By forecasting your income and expenditure, your assets and investment returns we can match your projected wealth against your personal goals and milestones. Your financial plan becomes clear and understandable – and puts you in control.

Taking a look at what you have and what you need can seem like a daunting prospect. But at Vital, our Chartered Financial Planners help you quickly and objectively assess your finances – helping you make the most out of your income and your investments in an easy to follow way.

We’ll consider your savings, investments, pensions, insurances, your tax position and your estate planning requirements – sensitively and confidentially. We’ll review any existing financial plans you may already have, assessing how well they fit in with your overall objectives, and help identify whether anything’s missing.

We understand that your financial plan needs to be as flexible as you are in order to weather the interruptions and surprises that life throws your way.

At Vital, our professional financial advisors provide straightforward, personal financial planning which expertly adapts to your changing needs.

By establishing your financial goals and creating a realistic and actionable plan to achieve them, the financial advisors at Vital Wealth Management can turn your hopes and ambitions into a more certain future.

Making your money work to support your financial plan

Starting with your desired lifestyle, and building in each one of your lifetime objectives, our investment advisors can construct an investment plan specifically tailored to your needs – designed to give you the best possible chance of achieving your desired outcome.

Whether it’s a short or long term target will determine the best investment solutions and products available. We’ll apply a logical framework and strategy to your investment plan, and continue to apply these methods consistently over time. We’ll continually assess each element of our investment process to ensure that they continue to offer the optimum balance of risk and reward for you.

Our investment solutions are well grounded. They’re deeply rooted in academic research. They prioritise demonstrable and dependable strategies, rather than following the latest investment trends or this year’s fads. The investment advisors at Vital Wealth Management are in the business of designing reliable, profitable investment strategies that deliver.

We take time to discuss the returns available and (equally importantly) the risks attached to each option. Our overriding aim is to offer investment management that’s right for you – giving you confidence that you can achieve and keep the lifestyle you want, now and in the future.

It’s important to us that you’re confident and comfortable with the investment process, so we’ll discuss your investment plan in clear English, avoiding the jargon and “investment-speak” you may have encountered before. We’ll help you to invest in a systematic, understandable way – and minimise tax in the process.

Importantly, our investment plans are flexible, giving you the confidence that your desired outcomes are achievable, even if your circumstances change along the way.

Investment Advice

  • Do you require a tailored investment plan?
  • Are your targets short term or long term?
  • Do you favour academic research over trends?

Investment Advice

  • Do you require a tailored investment plan?
  • Are your targets short term or long term?
  • Do you favour academic research over trends?

Making your money work to support your financial plan

Starting with your desired lifestyle, and building in each one of your lifetime objectives, our investment advisors can construct an investment plan specifically tailored to your needs – designed to give you the best possible chance of achieving your desired outcome.

Whether it’s a short or long term target will determine the best investment solutions and products available. We’ll apply a logical framework and strategy to your investment plan, and continue to apply these methods consistently over time. We’ll continually assess each element of our investment process to ensure that they continue to offer the optimum balance of risk and reward for you.

Our investment solutions are well grounded. They’re deeply rooted in academic research. They prioritise demonstrable and dependable strategies, rather than following the latest investment trends or this year’s fads. The investment advisors at Vital Wealth Management are in the business of designing reliable, profitable investment strategies that deliver.

We take time to discuss the returns available and (equally importantly) the risks attached to each option. Our overriding aim is to offer investment management that’s right for you – giving you confidence that you can achieve and keep the lifestyle you want, now and in the future.

It’s important to us that you’re confident and comfortable with the investment process, so we’ll discuss your investment plan in clear English, avoiding the jargon and “investment-speak” you may have encountered before. We’ll help you to invest in a systematic, understandable way – and minimise tax in the process.

Importantly, our investment plans are flexible, giving you the confidence that your desired outcomes are achievable, even if your circumstances change along the way.

Review

  • Are we on track? If not, what do we do?

Keeping on the right course

We’ve identified your goals, reviewed your financial resources and designed an investment strategy to take you where you need to be with a minimum of risk.

However, life rarely journeys in a straight line, so how you respond to change is as important as any plans you can make.

We understand that your goals are likely to change over time, and the unexpected often happens. Income, expenditure and investment returns are rarely constant, and it’s vital to review and re-plan to make sure that you stay on course.

Proper financial planning has built-in flexibility to keep you on track should change happen. Your individual plan will accommodate changes in market performance which affect your investments, and securely adapt to your needs if changes to your health, income, expenditure or family commitments arise.

The true value of a personal financial plan is the ability to assess whether you’re still on track to achieve your longer term goals – and if not, quickly identify how to put that right.

Testimonials

GJ

Graeme is the first adviser I have worked with who challenged my thinking about what I needed from my financial products. I had various preconceptions prior to my first meeting with Graeme and rather than talk to me about products, he asked me about my family, my aspirations and my lifestyle.

GJ, Newcastle

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    Talk to us.

    We have built our entire approach to financial planning on getting to know our clients.

    We take the time to establish exactly what you are looking to achieve and the timeframe in which you hope to get there. Then, and only then, can we help you come up with a plan to realise your aims.

    It’s a collaborative conversation. No industry babble or intimidating information, just a two-way chat about your money and your future.

    Now that you know what we’re about, we’d like to find out what makes you tick.

    Drop us a line via the form or the contact details below to arrange a friendly chat at our cost about your finances.

    • 0191 466 1266
    • enquiries@vitalwm.co.uk

    Talk to us.

    We have built our entire approach to financial planning on getting to know our clients.

    We take the time to establish exactly what you are looking to achieve and the timeframe in which you hope to get there. Then, and only then, can we help you come up with a plan to realise your aims.

    It’s a collaborative conversation. No industry babble or intimidating information, just a two-way chat about your money and your future.

    Now that you know what we’re about, we’d like to find out what makes you tick.

    Drop us a line via the form or the contact details below to arrange a friendly chat at our cost about your finances.

    • 0191 466 1266
    • enquiries@vitalwm.co.uk

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      Reviews and Ratings for Financial adviser Graeme Pegman, Newcastle-upon-Tyne

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