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Creating your financial plan

To create your individual financial plan:

  1. Work with your financial adviser to establish your short, medium and long-term goals
  2. Build in your key milestones
  3. Evaluate your current financial position
  4. Establish what you need to do to meet your goals
  5. Monitor and review your plan

How Fairstone can help

Whether you’re looking for advice for the first time, a review of your portfolio or a second opinion on previously obtained financial advice, Fairstone can help.

  • We can show you how to use cash flow modelling to achieve your long-term goals
  • We’ll help you look at the bigger picture to make sure you have all eventualities covered
  • We’ll reduce your fees and charges where we can

Book a financial review

Fairstone offer all new clients a no cost, no obligation, initial consultation.


Our dedicated client services team will be happy to match you to the local adviser that best suits your needs and objectives, in just a few short minutes.


Speak to them on 0800 029 1110 or be matched to an adviser today.

Wealth management or financial planning is about much more than buying financial products such as a pension wrapper or an ISA.

These goals could include owning your own home, saving for school or university fees for your children, Retirement planning or saving to cover the costs of long-term care as you get older. Whatever your goals, strong financial planning can help you to achieve them.

Professional financial planning can also help you to manage your investments in line with your individual goals and objectives, understand your tax obligations, protect you in case of unexpected illness or job loss and ensure that your wealth is passed on to the next generation in line with your wishes.

Wealth management - your key questions, answered

What's the best way to pass on wealth to my beneficiaries?

Passing on wealth to the next generation is one of the most important yet challenging aspects of financial planning. It’s vital that helping the younger generations doesn’t come at the expense of your own retirement funds and so there is a careful balancing act to figure out if you can afford it. If you can afford to gift, it’s vitally important to consider the various Inheritance Tax and gifting rules.

Please contact us to discuss your plans.

Can I use my wealth to help my children buy their first property?

An important issue to be aware of is how the mortgage lender will treat the deposit if it is described as a loan rather than a gift.

If the money is a loan, then the lender must factor this into their affordability calculations and so may lend less as a result.

Also, don’t forget the sum of money handed over may not be needed now, but what happens if life subsequently becomes a bit of a struggle? Speak to us to discuss your options.

What are tax planning goals?

  • To reduce current overall tax year liability
  • To increase availability of cash for investment, business or personal needs
  • Reduce any potential future years’ tax liabilities
  • Maximise tax savings from allowable deductions
  • Maximise tax savings by taking advantage of my available tax credits
  • Maximise the amount of wealth that stays in the family
  • Minimise a potential Capital Gains Tax liability
  • Minimise potential future estate taxes to maximise the amount left to beneficiaries and/or charities (rather than the government)
  • Maximise the amount of money available to fund children’s or grandchildren’s education, as well as any retirement plans

Starting your wealth management journey with Fairstone

Wealth management is a holistic long-term plan that aims to ensure you are in the strongest financial position to achieve your life goals.

We're local to you

With over 40 locations nationwide we strive to provide local, face to face advice to over 70,000 clients.

Chartered and Defaqto status

Fairstone is proud to incorporate one of the UK's largest Chartered financial planning firms as well as our managed investment portfolio's being Defaqto 5-star rated for six consecutive years.

Committed to quality

Don't just take our word for it. Our clients have, and continue to rate us 5 stars on Truspilot with over 5,000 reviews.

Matching you with the right local adviser for your needs

We have over 650 local advisers specialising in investment advice all the way through to retirement planning.

Provide some basic details through our quick and easy to use online tool, and we’ll provide you with the perfect match.

1 easy

Simple, online and personal. Provide some details and let us do the rest!

  • 1 Tell us about your financial goals
  • 2 Tell us about yourself
  • 3 We'll get in touch to match you to an adviser