Welcome to Evolution Financial Planning
We help women make smart financial decisions, with complete confidence.
Our all-female team is led by founder Rebecca Robertson – ‘Independent Financial Advisor of the Year 2019’, Times Top 100 Financial Advisors, TEDx Speaker & Author. Whether it’s planning for your financial future, a new mortgage or how to best invest your inheritance, do get in touch today. We’d love to help!
Wills & Trusts
Writing your will is something you know you should do. You keep meaning to do it. But something more urgent comes along & it gets firmly pushed to the back of your mind again.
Let’s be honest. A mortgage is probably the biggest financial commitment you’ll ever make. And you need to get it right!
Let’s be honest – we all want to retire as soon as we possibly can! But when you step back from your career or your business, life goes on.
Investing for the first time can feel like a major leap. Especially when you’ve inherited a large sum or worked SO hard to earn it, you really want to make the right decision.
Lifestyle Financial Planning
If you had enough money – how would you choose to live your life?
You’re aware that you’re working more hours and earning more money, but perhaps you’re concerned about your spending habits and are worried you’re not saving enough. You know that financial planning makes complete sense, but never quite get around to it…
Perhaps you want to move up the property ladder or, if you have children, feel it is time to start saving for school or university fees.
You may also be thinking about organising legal guardianships for your children and want to ensure they’ll receive a lump sum should anything happen to you.
We can help with all these areas of planning. As holistic advisers, we’re able to provide advice around mortgages – which one is best for you and which lenders will offer the most money – and write wills.
We can give advice around guardianship and set up insurance policies with trust work ensuring your family’s future is protected.
We are also able to give investment advice so that your children’s university fees are covered, allowing you to relax in the knowledge they’ll leave higher education with little or no debt.
Plus, we offer advice around investment and retirement plans to ensure you’re in the best possible position later on in life.
With your partner busy working, you’re left juggling all the other plates – including the home finances – and let’s face it, making all those decisions by yourself can be daunting.
Perhaps you’re concerned about your joint retirement plans or how you’ll pay future school or university fees for the children. Maybe your goal is to set up legal guardianship for your children and you want to be able to provide them with a lump sum should anything happen to you?
We are here to offer a second opinion. Think of us as someone to bounce ideas and concerns off. As well as providing you with advice on guardianship we can help set up insurance policies with trust work ensuring your family is protected.
We are also able to give investment advice so that your children’s university fees are covered, meaning you can relax in the knowledge they’ll leave higher education with little or no debt.
We can also offer advice around investment and retirement plans to ensure you’re in the best possible position later on in life.
Your business is going well and you’re paying yourself a salary but, now you’ve reached this massive milestone, you know there are other areas of your financial life which need attention.
Now that the business is working and profitable, it’s time to shift your focus to other matters such as sorting out your existing mortgage or reviewing your pension plan. You know you could do more with your earnings and wonder what else you could consider.
We can help you create the financial plans you’ve been putting off and support you in making sure all your finances are in order – after all, you’ve worked hard work to get here and want to make sure your efforts pay off.
For younger couples or individuals just starting out, things are no different to 20 years ago except house prices are much higher!
Making the right decisions about your mortgage – how long the term is and what type you need – is very important. After all, it’s probably the biggest financial commitment you’ll ever make.
You may be wondering where to start or what you should do to put yourself in the strongest possible position. How much can, or should, you borrow? Are there schemes which could help you up the ladder?
We can help you find the right mortgage for your circumstances, ensuring it is financially comfortable for you. We assist with the whole mortgage administration process, so you’ll always have someone to speak to.
Later on, we can advise on any protection needs you may have and even give you support in writing your will.
Getting your ducks in line in readiness for your retirement is super sensible and worth the time and effort, especially if you haven’t done this on a regular basis over the years.
You could be worried about all the paperwork and have no idea what your projected earnings would be at retirement. Or, you might have spare money and not know what else you should be doing to make the future secure.
We can help you review your pensions and give you advice on which steps to take to ensure you are in the strongest position.
Going through a divorce is a massive time of change and there are so many decisions to be made around where you live and how will you continue to pay the bills.
Everything comes into question – your Wills become invalid, your life insurance policies may need changing and, if you need to apply for a mortgage, you might not know how much you can borrow.
With so much information to deal with, we understand that deciding what to do can be overwhelming.
After getting legal advice, we are able to help you with all these areas. As holistic advisers we don’t just deal with mortgages or pensions, our team is able to give you guidance on all the areas you may be facing, making it easier for you to make decisions.
Financial complexities of passing on wealth Passing on wealth is a sensitive subject, not just because of the financial complexities of it all, but also the emotion and family politics
How to prepare your portfolio for inflation Very low or very high inflation is damaging to the economy. The aim is usually to try and keep the Consumer Prices Index
Investing in a wide range of different tax-efficient investments Individual Savings Accounts (ISAs) can be used to hold stocks and shares or cash, or any combination of these, up to
Making money by investing in other companies An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and
Fewer ups and downs than investing directly in shares If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a
Investing in different things, with different strategies Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into