Campbell

read moreWe know that finance and investments are important but that doesn't mean they have to be complicated and confusing. Our job is to help you feel good about your future. The only way we can do that is to offer straightforward, expert advice and back it up with exceptional customer service and of course, great performance. There is nothing new in in this approach, we have been doing that for clients since 1994. Everyone wants to know if their finances will outlive them, but circumstances change from person to person.

read moreIf your answer means you should be investing it, we need to know when you anticipate needing to withdraw the money and what you have earmarked it for. Is it to supplement income in retirement, to pay for holidays, to buy a car or something else? We like to keep things simple! The key to good advice is getting the balance right between the two. If you're investing over the long term, say more than ten years, then the stock market will be a big part of your plan. Our strategies consider that for every ten years, two or three will not be as successful as the rest.

read moreWe take time with you to make sure we understand those needs precisely. This means ascertaining what your income needs will be in retirement to cover all your fixed and variable costs without forgetting the important luxuries you have worked hard for. Once this is established, it's time to work out where that income will come from. For example, you may have a state pension, a work-related pension, private pensions, maybe property and other investments and savings. You might also have an inheritance coming your way even though people can find it uncomfortable to take that into account.