Money 

demystified

simplified

without the BS

made human

demystified

simplified

without the BS

made human

demystified

simplified

without the BS

made human

You aren't just a number and neither are your finances.

Why Us?

At Town Close,
we're here for life

We do financial planning and we make it human.

We demystify it, we make it accessible, and we care.

This means:
no jargon, no BS, no chatbots and no false promises.

Just real advice from real people.

No matter where you are in life,
we help make your plans a reality.

We’re Town Close Financial Planning.

At
Town Close

we're here
for life

Heading goes here

What Stage of your Financial Journey are you?

We know that there is no one-size-fits-all when it comes to you and your financial life.
We also know that financial planning is for your entire life and not just for those thinking of retiring soon.
That's why we put together this handy tool to help you see, at a glance, what you should be thinking about right now.

0 - 10

Your Financial Journey

Your Financial Journey

Your Financial Journey

A Guide for Every Stage of Life

Life's a journey full of milestones, and your finances evolve alongside them. Understanding the unique financial considerations at each stage can help you make informed decisions and achieve your goals.

We know that one size never fits all, but hopefully this guide help to show you some of the main considerations that we look at when personalising your Financial Plan.

Use the age ranges at the top of each section to find where you might fit.

10 - 20

Studying

Studying

Studying

The world can be a confusing place for teenagers, who are often preoccupied with their studies and navigating the complexities of social life.

While financial planning might not be at the forefront of their minds, it's crucial to encourage them to start thinking about their financial future. Even small steps like putting aside a small amount of money each month can make a significant difference in the long run.

This is also an ideal time to introduce them to fundamental financial concepts like budgeting, saving, and the power of compound interest. By fostering healthy financial habits early on, you can empower them to build a solid foundation for their future.

20 - 30

Starting out

Starting out

Starting Out

In our 20s, young adults are typically embarking on their careers, perhaps renting their first home, and savouring the newfound freedom and independence.

While it's a time for enjoying life, it's equally important to start planning for the future. This involves setting up a retirement savings plan, such as a workplace pension or a personal pension, and contributing regularly.

Additionally, start defining long-term financial goals, like saving for a deposit on a house or planning for further education. By making informed financial choices now, you can pave the way for a more secure and fulfilling future.

30 - 40

Family

Family

Family

The 30s often mark a significant turning point for many, as they start families and purchase homes.

These milestones, while joyous, can also bring about financial challenges.

It's crucial to maintain a disciplined approach to saving, even as expenses increase.

Consider increasing contributions to your retirement savings and exploring options like Junior ISAs or child trust funds to secure your children's financial future.

Additionally, review your insurance coverage to ensure adequate protection for your growing family.

40 - 50

Career

Career

Career

The 30s often mark a significant turning point for many, as they start families and purchase homes.

These milestones, while joyous, can also bring about financial challenges.

It's crucial to maintain a disciplined approach to saving, even as expenses increase.

Consider increasing contributions to your retirement savings and exploring options like Junior ISAs or child trust funds to secure your children's financial future.

Additionally, review your insurance coverage to ensure adequate protection for your growing family.

50 - 60

Exit

Exit

Exit

As retirement draws nearer, it's essential to ensure that your financial house is in order.

Scrutinise your retirement savings and assess whether they are sufficient to support your desired lifestyle. Explore options like downsizing your home or relocating to a more affordable area to maximise your resources.

Engage in conversations with a financial advisor to develop a comprehensive retirement plan that addresses your income needs, healthcare expenses, and any other financial goals you may have.

60 - 70

Adventure

60 - 70

Adventure

Retirement is a time for embracing new adventures and pursuing long-held passions.

Whether it's traveling the world, volunteering for a cause you care about, or simply enjoying leisure activities, ensure you have the financial means to support your desired lifestyle.

Review your budget regularly, factor in potential healthcare costs, and consider exploring part-time work or consulting opportunities if you desire additional income or intellectual stimulation.

70 - 80

Legacy

Legacy

Legacy

As you enter your 70s, thoughts of leaving a lasting legacy may come to the forefront.

Consider establishing a trust to manage your assets for future generations or making charitable donations to support causes close to your heart.

Review and update your will and estate plan to ensure your wishes are clearly documented and your loved ones are taken care of.

Additionally, explore options for long-term care insurance to protect your assets and ensure your well-being in later years.

80 - 90

Health

Health

Health

Maintaining good health becomes increasingly important in your 80s.

Ensure you have comprehensive health insurance coverage and explore long-term care options if needed. Review your finances to ensure you have sufficient funds to cover medical expenses and maintain your quality of life.

Consider appointing a trusted family member or friend as a power of attorney to manage your financial affairs if necessary.

Solutions

Financial Services for You

At Town Close, we're leaders in Financial Services and can provide everything from expert advice to a shoulder to lean on (and we're particularly proud of the unique Wellbeing support we provide too).

Money, made human.

We're here to support everyone with their finances

That said, we're particularly excellent at supporting engaged individuals from young go-getters to soon to be retirees. We find we also tend to attract a lot of driven, professional women and business owners too!

two person sitting on rock staring at body of water during daytimeby Katarzyna Grabowska
Your retirement, in safe hands.

People considering retirement

Whether you're feeling excited or nervous for retirement, Town Close understands. We'll help you navigate this exciting with confidence, ensuring your finances are in their best shape for your golden years.

A fellow traveller had to have that classic jumping photo in this amazing place in the middle of the Andes.by Peter Conlan
Discover the power or compounding

Young Professionals

Buying a house, retiring early, living your best life. Everything feels more achievable when you take charge of your financial future. Town Close can help you build a solid foundation, invest wisely,
and achieve your long-term goals.

Sunday Strollsby Matt Bennett
The good life's just starting!

Those already retired

Retirement is a time to be enjoyed and at Town Close, we specialise in not only helping you protect (and grow!) your nest egg but we also excel in estate planning and tax optimisation. So ensure your retirement is as comfortable and protect your legacy today.

Two business women talking about sales in office at desk with laptopby LinkedIn Sales Solutions
It's not a man's world.

Professional women

The gender pay gap is very real and is one example of the unique financial challenges women face. At Town Close we have made it our mission to help change this inequality by providing expert financial support. Click below to find out more.

Hear from our community!

We're not joking when we say that our focus at Town Close is putting you at the centre. Don't take our word for it though, here's what our clients say about us.

Thanking Suzan for having her support in the job seeking journey

Ben J

Town Close Client

I would just like to feed back that Suzan's help has been invaluable and we are very grateful to Town Close for the foresight they have shown in supporting clients and their families
The team at Town Close are really wonderful, they take the time to get to know you personally and I realised that that was very important to me.

Paul W

Town Close Client

After my meeting with Dan,  I can't lie, I was wandering round with a big smile on my face for the rest of the day!

Neil P

Town Close Client

You’ll be glad to know that Philip and I had a fantastic time using a fair quantity of the holiday fund we’ve discussed at length! Sri Lanka was amazing and the Maldives the icing on the cake

Sophie R

Town Close Client

Frequently Asked Questions

Find answers to common questions about our services, policies, and more.

What are your services?

Our services include financial planning, investment management, and retirement planning.

How can I apply?

To apply for our services, please fill out the contact form on our website.

What are your fees?

Our fees vary depending on the services you require. Please contact us for more information.

How can I contact you?

You can contact us by phone, email, or through the contact form on our website.

Do you offer free consultations?

Yes, we offer free initial consultations to discuss your financial goals and needs.

Let's Start Talking

Contact Now

We’d love to hear from you and we offer three handy ways for you to get in touch.
Use whichever way best suits you and we'll aim to respond within two working days.

Thank you! One of our team will be in touch soon.
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Email
For any inquiries, please contact:
advice@townclose.money
Phone
Or you can call us on:
07379 246440