It is recognised that there are four distinct stages of life that we all hope to evolve through. Each stage represents a different phase of our lives, creating unique financial planning needs. 

Fluent provides holistic financial planning, which ideally should start from the earliest stage possible. By working through the stages and understanding your financial future, we seek to enable a smooth transition from one stage to the next. The following explains a little about each stage and some of the key points that need addressing: 

Spring: From Birth to Work (Age 0 to 30s) 

The 'novice or pupil' stage:

• Birth 
• School
• University 
• Work 
• Home 
• Savings from birth 
• School fees planning 
• University fees & keep 
• First cars 
• Protection via Wills * 

Summer: Work to Mid Life (Age 30s to 40s)

The 'finding our position in society' stage:

• Marriage 
• Job
• Family 
• Start Business 
• Move 

Savings for: 

• Marital costs 
• First home 
• Young family 
• Protection 
• Family Healthcare 
• Business Planning 

Autumn: Mid Life (Age 40s to 50s) 

The 'consolidation' stage:

• Comfortable Lifestyle 
• Home owner with mortgage 
• Windfall 
• IHT or redundancy 
• Family
• Working 
• Mid-Life Crisis 
• Thinking about managing long term future 

Savings for: 

• Protection
• Healthcare 
• Will 
• Trusts * 
• Savings & Investments 
• Inheritance 
• Redundancy
• Counselling 
• Retirement Planning 
• Later Life Planning 

Winter: Retirement (Stage 1: 50s to 65, Stage 2: 65+) 

The 'Interaction & reflection' stage:

Two distinctly different life stages: 

50s to 65s: 

• More time 
• Earlier retirement now 
• Time to Travel 
• Divorce 
• Need to plan long term future 

65+: 

• Know what they like with established habits and life pattern 
• Need to feel a sense of belonging - clubs / churches / family are central 
• Likely to be involved in activities such as Fund Raising 
• Failing Health 
• Falling Ill 
• Retirement
• Death

Savings for: 

• Inheritance Tax Mitigation 
• Gifting to family 
• Healthcare 
• Retirement Home Financial Planning
• Later Life costs 
• Protection of Assets 
• Your affluence is our business

Your home may be repossessed if you do not keep up repayments on your mortgage. 

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. 

Will writing and Redundancy Counselling involve the referral to services that are separate and distinct to those offered by St. James's Place and along with Trusts are not regulated by the Financial Conduct Authority.