The need to understand our financial picture

How times have changed!

The responsibility of managing your finances, and that of your family, has never been more onerous than at this present time!

In years gone by the majority of companies offered pension schemes that were fully managed by Trustees. If you were a member of one of those schemes then you had virtually no decisions to make.

These days many people are members of different types of schemes that require decisions to be made and choices to be understood. It is Lifetime’s opinion that few members are qualified to make the correct
decisions and need help and guidance.

The pension world has become a very complex place and we are here to help you make the right decisions, by getting you to fully understand your financial position.

Recent pension and tax legislation has given the public much more flexibility and choice. But that brings with it so much responsibility! At the time you are about to make key decisions do you fully understand all that legislation, the various options and the in-depth tax detail required to make the right choice for you and your circumstances?

Have you been asking yourself ‘when can I retire?’

When can I retire?

Quite often it can be hard to imagine life in retirement. It is even trickier figuring out how to achieve it.

You have a limited time to plan for your future and so you need to make sure that you make the right decisions during your working life.

Have you been asking yourself?

  • When can I retire?
  • How much do I need?
  • How do I manage my investments in the most tax-efficient way?
  • Is consolidating my pensions right for me, and how do I do it?
  • Who can help me?

They are big questions! Questions that you can answer if you fully understand your financial picture.

Pensions and tax planning can be complex, but it doesn’t have to be that way. We can help you make informed decisions to set you up well for your future.

Lifetimer Danny delighted with RO5 exam success

Lifetimer Danny North is one very delighted young man!

Danny (pictured below) has been studying hard in the last few months – and that work has paid off with a terrific exam success.

Danny has passed his RO5 (Financial Protection) paper. Well done Danny! Many congratulations!

Lifetime seeking new member of communications team

Lifetime is seeking fresh inspiration in the form of a new member of our communications team.

Based at our Barnsley headquarters, we want someone with individual flair, allied with a tremendous team ethos, who has a love of words and the ability and imagination to communicate our message to current and potential clients.

The full-time role may be attractive to a young person who has just left college having completed their A levels.

We are looking for a person with:

  • Strong, creative writing, editing and proofreading skills. Can you spot a spelling mistake that others miss?
  • A level English or above (preferable but not essential)
  • Knowledge of various social media platforms, particularly Twitter, Facebook and Linkedin
  • Excellent attention to detail
  • Adaptability and flexibility, someone who is enthusiastic to new ideas and approaches
  • Solid typing skills, together with knowledge of both Microsoft Word and Word Press
  • Excellent communication, both written and oral
  • A desire to go the extra mile

What will you be doing?

  • Creating engaging content for Lifetime’s range of social media platforms
  • Interacting on social media accounts to deliver the Lifetime message
  • Producing well-written articles for our website, keeping the site lively, fresh and interesting
  • Teaming up with your communication colleagues to keep Lifetime’s loyal clients up to date with key information
  • Joining regular meetings to develop innovative new ideas that will benefit the company and our customers

Remuneration is negotiable for the right person.

Can you add value to a dynamic, high performing financial management company? If so then please email with your reasons why – and please remember to attach your cv.

Trainee financial planner Miles passes RO4 exam

Trainee financial planner Miles Myers (pictured below) is a delighted young man this week – after passing the RO4 finance exam.

The RO4 exam focuses on pensions and retirement planning, and forms a part of the Diploma in Regulated Financial Planning which Lifetimer Miles is successfully powering  towards.

He was rewarded for all his study work with an exam pass on Tuesday.

Many congratulations Miles! Onwards and upwards!

A Lifetime financial planner acts as a guide, coach, mentor and friend

A proper financial plan – a life plan – is something that we all should look to put in place.

At Lifetime our financial planners act as a guide, coach, mentor, friend and confidant to their clients.

Many people come to us looking for help with a specific issue, yet they soon come to realise that we can help them change their life through thorough financial planning.

The most important conversations that we will have with you won’t be about investment strategies or pension products. They will be about you, the people who matter to you, what your hopes and ambitions are for your future, what is really important to you, and what you really want to achieve in life.

We will also be able to help you to test out the different possibilities.  Could you afford to work part time?  Should you move to a larger house?  Can you afford to retire earlier?  A financial plan can help you to answer all of these questions.  It will also allow you to see what could happen if things don’t go quite to plan.  Knowing that you would still be okay if there is a financial crisis or if you suffer from illness or injury can give you great peace of mind.

We deliver life-changing financial modelling for clients through our professional and dedicated team, creating life-long and trusted partnerships.

We take the time to get to know our clients, to consider their whole situation, their current lifestyle needs, and what they want from their lives in the future.

We want to play our part in educating people on the importance of financial planning.

Opening minds to a lifetime of possibilities.

Meet Flo, your financial bucket!

Many people find their finances confusing, aren’t sure where they are headed or would like a little more guidance on how to manage their money.

They wonder when they can retire, how their family would cope if they were unable to work or whether they can afford to make their big plans for the future come to life.

A Lifetime financial plan can help you to understand where you are now with your finances and can answer your questions about the future.

Start your financial plan, find out more or learn about financial buckets like me by watching this rollercoaster ride!

Best wishes,


‘Lifetime offered a great experience’ – Mortgage team receive glowing Google review

The Lifetime Mortgage team has received a glowing testimonial on Google from a delighted client.

Anthony Henry rated the service a full five stars and gave particular praise to the sterling work put in by Mortgage Adviser Ken Abbott and Mortgage Manager Michelle Youel (both pictured below).

Mr Henry enthused: “As first time buyers the process of obtaining a mortgage can be daunting, but both Ken and Michelle made the entire process a hassle free experience and couldn’t be more helpful with the numerous questions we had.

“Lifetime as a whole were very welcoming and offered a great experience for us. We’ll definitely be using them again in the future.”

  • Below, the Lifetime Mortgage team of Bev, Michelle, Ken and Scott.

Taking control of your retirement planning

Taking control of your retirement. It’s by no means an easy thing to do, is it?

In this day and age of pension freedoms, you can easily get confused by all the numerous options and avenues open to you regarding your retirement.

And planning when to retire and how to pay for it can certainly be a daunting prospect.

If you need a guiding hand, then a Lifetime adviser will help you cut through the financial fog and find the best way forward, offering you the freedom, security and confidence to make the right choices. Our specialists are passionate about delivering the best advice and adding value to your retirement planning.

We will help you understand your financial picture – and map out the future in a clear, concise and understandable way. If there is anything worrying you about your retirement we can put solutions in place.

A fulfilling retirement needs Lifetime planning.

Contact us for a free consultation.


‘Lifetime opportunity’ for those people seeking financial advice

A ‘Lifetime opportunity’ awaits those frustrated people in the UK who are struggling to get financial advice.

Financial management company Lifetime are sending out the message ‘we are here, come and talk to us’ following the results of research by IFA network Openwork, which has revealed that there is a real demand for financial advice.

Openwork’s nationwide study found that:

  • Around 40% of consumers wished their employer would offer financial advice.
  • Around one in three adults (33%) admitted to not being confident with money matters and 40% worried that they do not know enough about money.
  • Just 15% of adults saw a financial adviser regularly, with men more than twice as likely to receive support with their finances compared with women.
  • 23% of men said they saw an adviser compared with just 10% of women.
  • Almost six out of 10 people questioned (56%) believed they would benefit from regular financial advice.
  • The future for the advice market looked “healthy”, with demand for support rising to 71% among under-35s showing how the market will keep expanding as people get older.

Opening minds to a lifetime of possibilities is our vision here at Lifetime.

Your first step in financial planning with Lifetime will be to let us get to know you.  Our expert financial planners will help you to think about your future in a way that you might never have done before.  They will help you to consider what is really important to you, and what you really want to achieve in life.

We’ll then ask you for some financial details so that we can understand what you spend, what you have coming in, and what you’ve put away for the future.

Then, we’ll use all of this to build you a lifelong cash flow model.  We’ll also introduce you to your financial bucket, a concept we use to help our clients to understand their money.  Your cash flow model will let you see whether you are likely to be able to meet your goals. It will also show you what your life might be like in retirement.

Let Lifetime’s #Flo help you with your financial journey…….