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.
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.
Meet Jeremy, the founder of Town Close Financial Planning
"Our philosophy is simple: People before profits. Always. If you’re looking for a company that will just consider you a number then look elsewhere. But if you want to be with a team that will always have your back, then come speak to us."
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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!
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.
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.
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.
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.
Ben J
Town Close Client
Paul W
Town Close Client
Neil P
Town Close Client
Sophie R
Town Close Client
Get Expert Financial Advice
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Frequently Asked Questions
Find answers to common questions about our services, policies, and more.
Our services include financial planning, investment management, and retirement planning.
To apply for our services, please fill out the contact form on our website.
Our fees vary depending on the services you require. Please contact us for more information.
You can contact us by phone, email, or through the contact form on our website.
Yes, we offer free initial consultations to discuss your financial goals and needs.
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.