What will this year mean to you financially?

If you haven’t done so already, it is time to plan for the year ahead. But this is unlike most years.

In fact, this year is unlike any year we have experienced for decades, possibly in our lifetime. Increasing interest rates, soaring energy costs and high levels of inflation mean that this year, more than ever, we must plan for our financial future.

So now is a good time to review your mortgage, pension arrangements and other investment plans.

BCM Wealth Management Ltd in Stamford can help. BCM’s director, Oliver Smith, says: “Whatever your stage of life or your circumstances, it pays to take professional advice and plan ahead, especially given all the uncertainty that’s going on.

“Our team is happy to arrange a noobligation meeting to review your current arrangements and offer advice on any recommended changes.”

Mortgage planning

Following last year’s spate of interest rate rises, many homeowners would benefit from reviewing their existing arrangements and shopping around. With so many lenders and various types of mortgages available, this can seem overwhelming. BCM can help.

The right mortgage isn’t always the one with the cheapest interest rate. But the right mortgage always starts with the right advice, and the right advice always starts with the right conversation. Whether you are a first time buyer or thinking about remortgaging, BCM’s friendly and experienced mortgage advisers take the time to get to know you, understand your situation and guide you through the entire process.

Retirement planning

It’s never too early to plan for your retirement. BCM Wealth Management’s approach to planning your retirement is transparent, honest and designed to meet your requirements. The team takes the time to understand your current arrangements and future financial goals, and then helps to identify the best plan for you.

A good place to start is with BCM Wealth Management’s pension review service, to see if you are on track to meet your retirement goals.

Investment planning

Whether you’re an experienced investor or a new investor, BCM Wealth Management can help you achieve your investment goals across a wide range of investment solutions.

Five-star service

BCM Wealth Management’s clients clearly appreciate the service they receive, demonstrated by more than 50 five-star Google reviews. As Oliver Smith explains: “We don't go into a relationship looking to sell you something. Our aim is to help you find the best solution. That’s what really matters to us.”

The next step is yours. Get your year and your future off to a good start by speaking to a BCM Wealth Management adviser today. n if repayments are not maintained. We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

BCM Wealth Management Ltd is an appointed representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

Chat to our specialist mortgage team at BCM Wealth Management, based at 5 Ironmonger Street, Stamford, Lincolnshire, PE9 1PL www.bcmwealth.co.uk 01780 437500