Financial Planning

A financial plan is a way of achieivng a financial goal. This can be from something as simple as saving for that dream holiday, to planning for your retirement or ensuring that your family is protected should anything happen to you or your partner.

After a detailed analysis, Macleod and MacCallum Financial Services will advise you of any areas in which you might have a shortfall in your planning. We will help you prioritise your needs in order that they can be addressed within an affordable budget.

An example of the way in which needs might be prioritised could be:

1. Mortgage Protection

   • can I pay the mortgage if I am off work sick
   • can my partner pay off the mortgage if I die

2. Family Protection

   • if I die, will my partner have enough resources or do I need to have life cover
   • how much life cover do I need

3. Income Protection

   • does my employer provide any long term sick pay or will I need to rely on the state
   • if I am off work long term, how much income do I need

4. Retirement Provision

   • How much money will I need when I retire
   • How much do I need to save now to make sure I have enough

5. Savings

   • can I afford to save any money
   • how much can I afford to save and over what time period

Everybody has different needs and priorities depending on their own circumstances. Macleod and MacCallum Financial Services can help you identify these and plan for them.

For further information:

Telephone: 01463 239393 or
Contact  Mike Davidson