Financial planning makes sense

Planning your finances sounds like such a good idea – and that’s because it is. But many people either never get around to it or fear they don’t earn enough to use a financial adviser.

But, as the saying goes, failing to plan is planning to fail! You’ll never achieve your financial goals if you never take a proper look at your situation.

And you mustn’t keep leaving it until next year or when you get a minute… planning your finances must start now.

It is an ongoing process that needs monitoring if you’re going to get the best out of it.

Ultimately, our process isn’t just about your money – it’s about what you want out of life.

At Co-Navigate, we have helped dozens of people across Newcastle and the North East achieve their dreams through financial planning. We do this by being different.

If you believe that dealing with a financial adviser means you will be bombarded with information and simply sold an ISA or a pension, then think again.

The first thing we do, is listen. What do you want to achieve with your finances? Whatever they are we will show you how to get there.

We will never shy away from giving you an honest appraisal. So if your plans for early retirement mean you need to invest more than you originally thought, we will tell you.

If you decide to go ahead and turn the proposals into reality, we are with you every step of the way.

And here is every step we’ll take…

What happens at your first meeting?

As we’ve already mentioned, we listen to you. What are your plans? Is it to retire early? Do you want to accrue enough cash to buy a holiday home.

Whatever your goals, we need to hear about them. They may seem like nothing but a dream but they can become reality with sensible decision making about your money.

We need to get to know all about you, so that is why we make sure we sit down first to listen to you.

It’s not until we have all the information that we go away to work out your plan.

Don’t worry about being sold a product at your first meeting, we never do that. Our first meeting is about getting to know you and to hear about your goals.

The advice we give is based solely on you and that means we won’t recommend products or investments until we fully understand you and your goals.

Your adviser is someone with almost 20 years in the profession of financial advice, so you know you’re talking to someone with experience.

Your financial plan

After our first meeting, the Co-Navigate team gets to work. We look at your current and future positions and also what-if scenarios.

A complex piece of software that we use then uses this data to calculate how all those issues might affect your goals.

It’s no good planning if you don’t take every eventuality into consideration. Even if the life event is highly unlikely, you must be aware of any issues that could derail your dream.

Once we discuss our findings, we’ll help empower you to see your dreams become reality.

What happens next?

If you have decided to take allow us to navigate you to your financial goal, then we are with you every step of the way.

Financial planning is an ongoing situation. That is why your adviser will build a relationship with you.

We meet you at least once a year to not only review your situation but to hold you accountable.

Don’t worry, we won’t put you on a naughty step or anything like that!

We hold you accountable because your financial goals are so important to us. Consider us to be like a coach, if you’re not held accountable then you won’t make progress.

Contact us

If our personal approach to planning your financial future sounds ideal for you, then get in touch with us today.

Tell us about what you want out of life and we can show you how to get there. There’s no obligation and if nothing else, you’ll have experienced our great coffee!

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