Where could your money take you?
If you are caught in the loop of earning and spending, it can be easy to lose sight of your wider ambitions.
Scattered savings accounts can feel overwhelming, competing financial goals can create confusion, and uncertainty about investment risk can make it difficult to know what to do next.
But when you introduce a plan that brings your current resources, future income and personal goals together, your money can take on a whole new meaning.
Purpose first. Solutions second.
When you are introduced to your planner at Acumen Financial Planning, we will discuss what you want to achieve through saving, investing or both before we recommend any solutions.
If we start with products, we make assumptions about what you want your money to make possible. Instead, we will collaborate with you to uncover your short and long-term financial goals as well as any concerns you have.
Once we are clear on your objectives, we help you construct a wider investments and savings plan and five-year roadmaps to keep you on the right track.
Whether saving, investing or both, we can help steer you in the right direction.
Your savings plan
From building an emergency fund to pursuing a specific savings goal, we can assist you in building a tax-efficient savings plan to get you there.
Your investment strategy
With a measured approach to investment planning, we focus on building sustainable wealth rather than chasing quick profits.
Your combined financial roadmap
Make your investments and savings work together seamlessly with a strategic plan designed to balance financial security and growth.
What you can expect from your investments and savings plan.
Gain independent, impartial insights
Our financial planners are not tied to any specific products, services or providers, so we can advise on a wide variety of solutions without bias.
Balance your future wants and current needs
By getting to know you and your short and long-term goals, we can help construct a plan that balances growth with accessing your money when you need it.
Understand the risks
By delving into your financial goals and comfort with risk and market volatility right at the start, we consider how rises and falls in investment value could affect your plans.
See the bigger picture
By offering a comprehensive financial planning service, our expertise spans the full scope of your financial situation, allowing us to provide you with a joined-up view of your finances.
“Saving and investing is about more than growing your wealth. It's about creating opportunities, turning ambitions into reality, and giving yourself the freedom to live life on your own terms. Because ultimately, it's not just about the wealth you build, but the life it allows you to live.”
David Gow
Group Director
Making savings and investments work harder.
How a clear investment strategy helped Craig build financial security and achieve his long-term goals.
When Craig first approached Acumen Financial Planning, he was in his early 50s and had recently been made redundant after 20 years working for an oil company.
Although he had secured a new contract role through his own limited company, he was uncertain about his financial future and whether he would ever be able to afford to retire.
He had accumulated savings, investments and a company pension over the years, but lacked a clear strategy for making the most of them.
Our financial planning team worked with Craig to understand his financial position, future aspirations and the lifestyle he hoped to achieve.
We reviewed his existing savings and investments, identifying opportunities to improve their suitability, performance and cost-effectiveness.
A long-term financial plan was developed, bringing together his pensions, investments and company finances. This included establishing a diversified investment strategy and exploring tax-efficient ways to build his savings for the future.
Regular reviews ensured his investments and wider financial plan continued to reflect his changing circumstances and long-term objectives.
The outcome
Ten years after his first meeting with Acumen, Craig was able to retire, having achieved the financial goals he originally set out to accomplish.
With a carefully considered investment strategy and ongoing financial planning, he was able to build his financial resources and make informed decisions about his future.
As he moved into retirement, our team continued to provide guidance on accessing his savings, investments and pension funds in a way that supported his changing needs.
For Craig, having a clear investment strategy wasn't simply about growing his money. It was about building the financial confidence to enjoy the future he had worked towards.
What clients say.
Investments far exceeded expectations.
“When my previous planner retired, they recommended Acumen. I had no real knowledge about long-term financial planning, but my new planner helped me see the impact of our choices through to retirement and beyond. They’ve even begun advising our son, taking his generation’s needs into account. The advice has helped me make decisions I never would have considered, and our investments have far exceeded expectations.”
Florence
A client of Andrew Sutherland
Investments and Savings Planning FAQs.
Find answers to some of our most frequently asked questions. If you can't find what you're looking for, our team is here to help. Simply get in touch and we'll be happy to answer your questions.
How will my plan be reviewed?
Your investment and savings strategy will include a long-term financial model and a five-year framework to help keep you on track towards your financial goals. While it can be tempting to monitor your investments closely, giving them time to grow is often the best approach. However, we understand that circumstances can change, and we're happy to review your strategy at appropriate stages to ensure it continues to reflect your needs.
How much money do I need to work with you?
We understand that everyone's financial circumstances are different, which is why we offer a range of service levels designed to support you at different stages of life. Each service level has its own eligibility criteria and financial thresholds, depending on your needs and the type of support you're looking for. Whether you're starting to build your financial future, growing your wealth or planning for retirement, our team can help you understand which service may be most suitable for you. If you're unsure whether our services are right for you, please get in touch. We'd be happy to discuss your circumstances and explain the options available.
How much investment risk should I take?
Investment risk is subjective and involves careful consideration of the financial goals you can achieve within your risk tolerance. However, you do not need to visit us with a preconceived idea of what investment risk means to you. Instead, we will explore this together through financial modelling and mapping out scenarios to gather insights on how it would feel to experience a drop in value of the money you have invested, as well as what impact this would have on your life and financial future.
Can you look at investments I already hold?
We are more than happy to evaluate your current investment portfolio. By understanding why you are investing in the first place and the types of investments that align with your goals and values, we can help you review your current strategy and suggest changes.
Should I save or invest?
Saving and investing can play very different roles in wealth building. This is why we get to know you and your purpose for saving, investing or both to help ensure the timing is right, your current needs for accessing funds are met, and your risk tolerance has been carefully considered.
