Welcome to our March/April 2022 financial planning magazine. Inside, we look at why now is the time to make sure you protect your wealth. The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to persist throughout 2022, on page 09 we consider why finding ways to generate a return on investments greater than inflation will be a key investment theme – otherwise your wealth falls in real terms.

A full and happy retirement is a priority for many. But no two people are alike. A ‘one-size-fits-all’ system cannot accurately account for everyone’s individual lifestyle choices, so it makes sense that the way you prepare for your future is likely to be different from others. On the surface, retirement planning hasn’t changed all that much over the years. You work, you save and then you retire. Read the full article on page 03.

On page 06 we look at the importance of staying on track to achieving your specific financial goals.  All of your financial decisions and activities have an effect on your financial health. To help improve your financial health during this period of rising inflation and interest rates, we explain three areas that could help keep you on track to achieving your financial goals.

Are your investments working as hard as they could be? With so many options out there, it can be confusing. We can help you navigate your options, and provide a personalised recommendation based on your investment goals. On page 10 we look at five principles that affect everyone who invests their money.

A full list of the articles featured in this issue to support you in your financial planning appear on page 02.

Looking to make the most of tomorrow by planning today?

Your wealth needs to serve you differently at different stages of your life. Find out how we can help you make the most of tomorrow by planning today.

For more information or to discuss any of the issues raised in this article, please contact us.

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Personal circumstances differ and not all of this information is applicable to every client and/or their business, this information is general in nature and should not be relied upon without seeking specific professional financial advice.

The financial conduct authority does not regulate tax advice, estate planning or will writing.

The content in this article is for your general information and use only and is not intended to address your particular requirements. Articles should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles.

Thresholds, percentage rates and tax legislation may change in subsequent finance acts. Levels and bases of, and reliefs from, taxation are subject to change and their value depends on the individual circumstances of the investor. The value of your investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Pareto Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority.