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Phil TolhurstHello and welcome to Plain Speaking Financial Planning. My name is Phil Tolhurst and I’m an independent Chartered Financial Planner with twenty-years experience in my industry.

Whatever stage you are at in your life, you should have a financial plan that meets your needs now and that can be adapted as your life and wealth progress. Whether you are a busy professional, at the point of retirement and looking to generate an income, or already retired and looking to pass on wealth to your family, I can help.

I aim to remove the complex and often unnecessary jargon used in my profession and focus on building plans that are easily understood, avoid unpleasant surprises, maximise tax efficiency and minimise your costs.

This is the Seven Sisters Country Park where I like to spend my spare time. How about you? Would you like to spend your time sailing around the Mediterranean, retire to the seaside, buy that vintage car that you have always wanted? Whatever your goals, you will need a plan to help you achieve them and that’s where I come in.

The starting point for my advice is to have an understanding of what it is you want to achieve, how much you will need financially and when. I then tailor a plan, with the aid of lifetime cash flow modelling, to show you what you need to do to get there and we work together, on an ongoing basis, to help you realise your goals.

Too many people get close to retirement before realising that they don’t have the necessary finances to enjoy the lifestyle they have worked towards. Or conversely have the money, but aren’t sure the point at which they can start spending it. If they’re not careful they’ll be too old to enjoy it! A Financial Plan is about ‘opening your eyes’ and giving you the confidence to make informed financial decisions at the right time for you.