Many people think retirement planning can wait, but the earlier you start, the greater the benefits. Life decisions like buying a home, changing careers, or reducing work hours all affect your long-term financial picture.
Early planning helps you understand these impacts, harness the power of compounding, and avoid shortfalls later. With the cost of a ‘comfortable’ retirement rising, acting sooner gives you flexibility, peace of mind, and the chance to make adjustments while your earning potential is highest. Good financial planning isn’t just about the future – it helps you make confident, informed choices for today too.
Read the full Q&A in The Scotsman here.
Editor’s Notes
Published in Scotsman Money 1st September 2025
The information provided is the opinion of Wendy Morrison, Associate Financial Planner and should not be considered advice.
Acumen Financial Planning Ltd is authorised and regulated by the FCA, FRN 218745.