Dust off those January Blues

Well here we are into a New Year and here at Bleathwood we are well aware some of you may be suffering those January blues.  Many of you will be doing your best to keep them at bay by sitting with a lovely cuppa thumbing through holiday brochures or surfing on line.  All with a view of searching for blue skies when summer finally arrives or going and finding it earlier.

Consider this - you will probably end up spend quite a few hours searching for those best deals for your flight to the sun.

Here at Bleathwood we are working hard with our clients helping them plan for more than an annual trip to the sun.  When our clients finally start to work less or even enjoy 365 days off a year, the opportunity to dust off those winter blues more than once a year.

Why is that we spend so many hours on things like planning our holidays, but we fail to set aside 60 to 90 minutes a year to create our future plans?  Then next important step - review them.

So what is financial planning all about?  Well it is more than just sitting down and talking about pensions or your ISA’s.  Or asking questions like, should I be investing more in China or other Emerging Markets or taking less risk?  Or even another conversation about Brexit.

It is more about how your money is going to work for YOU.  We help our client’s see how their finances map out their future, help them see what they can do, what they want to do and what they need to do to ensure it happens.  We try to take away the guess work.  Even try to answer lots of those “what if” questions.  Like when can we, (or I), afford to retire, send my children to University, buy that holiday home, travel far and wide.

How do we do this?  Well we listen, gather the data and start to build a personal picture using Prophecy, our Cashflow Modelling tool.  Financial advice should be personal, not products, they are sometimes the tools you will need to adopt to achieve the life you need.

So why should you do it?  Well we are living in a time of low interest rates and potentially rising inflation, it is difficult to find ways of making money work smarter, whilst not knowing how long you need it to last?  Add to that statistically we are living longer. 

They always say – “If you fail to plan then you plan to fail”.

So whilst you are suffering your January Blues.  Further frustrated because you have already broken 1 or 2 of your New Year resolutions.  Change your thought process.  Dig out your finances and give them an early spring clean by having a chat with your Independent Financial Advisors.

You may never again suffer those January Blues – but we cannot promise that.

05 Dec 2018

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