40s-50s
In your 40s and 50s, you should start to reap the rewards of your hard work.
You are likely at the peak of your earning power and you probably have more disposable income than ever before. Nevertheless, financial planning becomes more and more essential the closer you get to retirement age.
Whether you are enjoying a thriving career, considering working part-time or feeling ready to retire sooner rather than later, now is the time to get organised and secure the future you want.
Your family
With your children growing to become less financially dependent on you, your thoughts are turning to the future.
Whether your focus is school fees, university, weddings or even grandchildren, we will create a financial plan that ensures you have the financial freedom to support your family at every opportunity.
Your retirement
Whilst retirement may still be twenty years away or more, preparing well now is the key to achieving a rewarding lifestyle in the future.
We will assess your current financial provisions to ensure you are on the right track; if not, we will guide you in making informed adjustments. Whether you want to explore Pension Freedoms, working part-time or retiring early, we will show you what is possible.
Your future
Now is the time to focus on what you want the future to look like.
We will ensure your financial plan is perfectly aligned with your needs and goals. We will then guide you every step of the way, as you navigate the challenges that arise during this key phase of life.
We are here to help
If you have a specific financial problem you need solving, or simply feel you should be doing more to plan for the future, please get in touch. We are independent Financial Planners with more than 100 years’ collective experience in helping people in their 40s and 50s to plan for the future.
You can also learn more about financial planning and how we work here.
What our clients say
We’re incredibly proud of the work we do. Here are the real words of real clients.
Matt has been my financial adviser for many years. During this time, he has always made himself available to advise on any matters that I have been concerned about. He has become a valued friend, with a wealth of financial knowledge.
Twenty years ago, my accountant recommended Matt Webb as a first-class financial adviser and that has proved to be the case. He is always courteous and ready to explain any questions I may have.
Matt has been our financial adviser for a number of years now and we look forward to working with him for many years to come. His expertise, advice, guidance and reliability has been at the heart of the trusting relationship from which we benefit.
I suffered a stroke at 58 and had to stop working to focus upon my recovery. PWS’s input was invaluable. They convinced me and my wife that we had amassed sufficient wealth to enable early retirement. I am now 61 and have made a full recovery and enjoy my retirement in the knowledge that I have a “financial partner” in PWS to allay my natural anxiety given the uncertainty we all have to navigate.
Matt has a very good understanding of his clients’ needs and nothing is ever too much trouble. Matt is very knowledgeable and explains everything clearly and in sufficient detail to enable an informed decision to be made. He deals with everything quickly and efficiently and responds promptly to every query. I wouldn’t hesitate to recommend Matt to anyone seeking any form of financial advice.
I have used the services of PWS for over ten years now. I have found their services and advice to be clear, efficient and prompt at all times. It has been refreshing to work with a company that is proactive and gives peace of mind that you really are receiving considered advice that specifically suits individual needs. I have had no hesitation in recommending PWS to personal friends as well as colleagues. Thanks Mo and your exceptional team - see you soon!
I was introduced to Steve in 2008. I genuinely trust and appreciate the professional advice given to me and my family. The ongoing investment and pension advice has been invaluable through the good and the bad times and I have had no hesitation in recommending Steve to family and friends.
PWS Financial Consulting Ltd have been our financial advisers since 2005. They have always offered sound financial advice based on our investment objectives as well as our personal needs. They keep in regular contact and provide us with ongoing financial advice as our needs and markets change. They take the time needed to fully explain our options and to guide us in an appropriate direction. We feel as though they truly care about us, our finances and our future.
(Mohit) Thank you so much for helping me by sorting out my retirement, pensions and general finances. You managed to improve my financial gains through astute financial management, and greatly help reduce my losses during the crash a number of years ago. It helps so much when you speak in a down-to-earth manner, which assists my decision-making going forward.
Having been a client of PWS for over 20 years, I cannot recommend them too highly. The levels of professionalism and product knowledge are excellent. They are fully interested in client and family circumstances and provide continuity of personnel which is crucial for client comfort. Their fees are realistic, and they make ease of consultation a priority. I would not hesitate to recommend their services.
I have been fortunate enough to have Matt as my financial adviser for over 10 years and during this time he has seen me and my husband through some major life events. These have included my own unexpected ill-health retirement and also for my husband, his cancer diagnosis, financial planning around this, his retirement and subsequent death. Throughout everything Matt has always been very personable, thorough, informed, efficient, responsive and has always dealt with us with great care and understanding, giving tailored advice to our own specific situation. Matt’s advice and support have made very difficult moments in our lives more manageable and have given me and my family a great base for a financially safe and comfortable future. I would not hesitate to highly recommend Matt as a financial advisor and I am very grateful that he has looked after us so well for so long.
Get in touch
If you would like to learn more or book a no-obligation initial meeting, we would love to hear from you. Enter your details below and we will be in touch.
