Financial Planning

We all have goals, dreams and ambitions for the future, for ourselves and our families, but how do we achieve them? Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.

Mortgages | Investments | Wealth Management | Pensions | Protection | Equity Release

What is Financial Planning?

Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.

You will almost certainly have goals of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but these have financial implications and leaving it to chance isn't an option. Careful planning helps to turn your goals into reality and the sooner you start your financial planning the greater your chance of realising them.

There are so many issues to consider when planning a financial future, so we've highlighted some key stages of a financial life to guide you.
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Rated Excellent.. Don't just take our word for it!

Financial Planning Could:

Help to increase the value of your savings & investments in a tax efficient manner
Protect yourself and your dependant's income in case of unforeseen problems
Increase the after-tax legacy you pass on to your beneficiaries.
You can rest assured that we will provide you with the right financial advice plus regular reviews and evaluations of your financial plan.

Call us today for a no-obligation chat about planning your financial future.
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The Stages of a Financial Life

As long-term advisers, we’re here to support you at every stage of your financial journey. Whether you’re buying your first home, planning for retirement, or navigating life’s other milestones, we provide ongoing, tailored advice to help you achieve your goals and secure your financial future.

Lifestyle Priorities

House Deposit

Home Purchase

Marriage/Children

Promotions

Higher Salary

Bigger House

School Fees

Inheritance

Supporting Children

Phased Retirement

Retire Fully

Downsizing

Lower Cash Needs

Long Term Care Planning & Bequests

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

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Why choose Beals Financial Advisers?

Working with our financial advisers offers trusted expertise, personalised guidance, and tailored strategies to achieve your financial goals:
We take a comprehensive view of your financial situation, considering factors such as insurance, mortgages, retirement, savings and investments, estate planning, and cash flow management.
We can provide strategies to minimise tax liabilities, ensuring you keep more of your money.
We can help you develop and manage an investment portfolio that aligns with your financial objectives and risk profile.
We have access to a wide range of financial products and tools that may not be available to individual investors.
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Award Winning Network

Beals Wealth Management are proud to be part of Quilter Financial Planning, an award-winning network celebrated for its outstanding customer service, innovative platforms, and exceptional financial strength.

Recognised for Service

FT Financial Adviser Service Awards 2024 - Five Stars (Platform, Pension, Investments)
Defaqto - Gold Service (Platform, Pension, Investment Bond)
Investment Life & Pensions Moneyfacts Awards 2024 - Best Online Service

Highly Rated Products

Defaqto - 5 Star rating (Platform, Personal, Pension, Drawdown & Onshore Bond)
Defaqto - 5 Diamond rating (WealthSelect, Monthly Income, Cirilium Blend, Cirilium Passive and Creation)
Money Marketing Awards 2024 - Best Retirement Provider

Exceptional Platform

Member of The London Institute of Banking and Finance
Schroders UK Platform Awards 2024 - Platform of the Year
Investment Life & Pensions Moneyfacts Awards 2024 - Best Wrap/Platform

Frequently Asked Questions

What is financial planning?

Financial planning is the process of setting, managing, and achieving your financial goals. It involves evaluating your current financial situation, creating a comprehensive strategy, and making informed decisions about budgeting, saving, investing, retirement planning, and risk management.

Why is financial planning important?

Financial planning is the process of setting, managing, and achieving your financial goals. It involves evaluating your current financial situation, creating a comprehensive strategy, and making informed decisions about budgeting, saving, investing, retirement planning, and risk management.

When should I start financial planning?

It's never too early to start financial planning. Whether you're just beginning your career or nearing retirement, having a financial plan in place ensures that you're working towards your long-term goals and can adjust as life changes.

What is a financial planner, and how can they help me?

A financial planner is a professional who helps you develop a comprehensive financial plan. They assess your current financial situation, understand your goals, and provide expert advice on budgeting, saving, investing, tax planning, retirement planning, and risk management to help you achieve your objectives.

What are the benefits of working with a financial planner?

Working with a financial planner provides expert advice tailored to your unique financial situation. They help you make informed decisions, optimise your investments, minimise taxes, manage risks, and create a roadmap for achieving your financial goals, all while offering peace of mind.

What is retirement planning, and why is it important?

Retirement planning involves preparing financially for life after you stop working. It includes saving for retirement, managing investments, and understanding pension plans. Retirement planning is essential because it helps ensure you have enough income to support your lifestyle and financial needs in retirement.

How do I know if I need financial planning services?

You may need financial planning services if you’re unsure how to manage your finances, are facing major life changes (such as marriage or retirement), or have specific goals like saving for a home or funding your children’s education. A financial planner can help you create a strategy to meet your goals.

How often should I review my financial plan?

It’s recommended to review your financial plan at least once a year or whenever a significant life event occurs (such as a promotion, marriage, or the birth of a child). Regular reviews ensure that your plan stays aligned with your goals and adapts to changes in your financial situation or life stage.

What is estate planning, and how does it relate to financial planning?

Estate planning is the process of arranging for the distribution of your assets after your death. It includes creating wills, setting up trusts, and considering tax implications. Estate planning is an important part of financial planning to ensure your assets are passed on according to your wishes and with minimal tax liabilities.

Looking for a financial adviser near you?

Our first appointment is free of charge and with no-obligation! Available by phone, video call or face-to-face.
Email us: info@bealsfs.co.uk
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The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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