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Financial Planning

Expert Advice: 7 Finance Tips to Grow Your Wealth

Retirement Detective Looking Out For Top Finance Tips

Expert Advice: 7 Finance Tips to Grow Your Wealth

“The money you make is a symbol of the value you create” ― Idowu Koyenikan

3 min read

Retirement Detective Looking Out For Top Finance Tips

Expert Advice: 7 Finance Tips to Grow Your Wealth

“The money you make is a symbol of the value you create” ― Idowu Koyenikan

3 min read

Are you looking to boost your financial wellbeing and secure a brighter future? Whether you’re saving for retirement, aiming to pay off debts, or dreaming of that well-deserved vacation, effective financial management is key. In this article, we’ll explore seven proven finance tips that can help you grow your wealth and achieve your financial goals.

1. Create a Solid Budget

A well-structured budget is the foundation of good financial management. Start by listing your monthly income and expenses. Categorise your spending to identify areas where you can cut back. Allocate a portion of your income to savings and investments. Stick to your budget to ensure you’re consistently saving and growing your wealth.

2. Build an Emergency Fund

Life is full of unexpected surprises, and having a financial safety net is crucial. Aim to save at least three to six months’ worth of living expenses in an easily accessible account. This emergency fund will provide peace of mind and protect your finances from unforeseen setbacks like medical bills or unexpected job loss.

3. Invest Wisely

Investing is a powerful way to grow your wealth over time and, importantly, beat inflation. Explore different investment options, such as stocks, bonds, real estate, and mutual funds. Diversify your portfolio to spread risk. Consult a Patterson Mills Financial Adviser to develop an investment strategy that aligns with your goals and risk tolerance.

4. Pay Off High-Interest Debt

High-interest debts, such as credit card balances, can drain your finances. Make it a priority to pay off these debts as quickly as possible. Focus on the debts with the highest interest rates first. Once you’ve cleared them, redirect the money you were using for debt payments into savings or investments.

5. Automate Your Savings

Saving consistently can be challenging, but automation makes it easier. Worry no more about having to ‘get round to it’ by setting up automatic transfers from your bank account to your savings or investment accounts. This ensures that you’re consistently setting aside money without even having to think about it.

6. Educate Yourself About Finances

Financial literacy is a valuable asset. Take the time to educate yourself about personal finance. Read books, attend seminars, and stay informed about current financial trends. The more you know, the better equipped you’ll be to make sound financial decisions.

7. Plan for Retirement

Planning for retirement is a significant financial milestone that requires careful consideration and consistent contributions. As you embark on your own planning adventure, it’s essential to take a proactive approach to secure a comfortable and financially stable retirement. Your retirement plan should not be static. Periodically review your retirement goals and financial situation to ensure you’re on track. Life circumstances change, and your retirement plan should adapt accordingly. 

Supercharge Your Wealth

By implementing these finance tips into your life, you’ll be on a path to growing your wealth and achieving your financial goals in no time! Remember that financial success often requires discipline, patience, and a long-term perspective. Stay committed to your financial plan, and you’ll reap the rewards in the years to come.

For further guidance on how to achieve the life you’ve always dreamt of, get in touch with us today and book your initial, no-cost and no-obligation meeting. Just send us an e-mail to info@pattersonmills.ch or call us direct at +41 21 801 36 84 and we shall be pleased to assist you.

Please note that all information within this article has been prepared for informational purposes only. This article does not constitute financial, legal or tax advice. Always ensure you speak to a regulated Financial Adviser before making any financial decisions.

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Financial Planning

10 Must-Ask Questions for Your Financial Adviser

Shot of a group of businesspeople raising their hands to ask questions during a conference

10 Must-Ask Questions for Your Financial Adviser

“Planning is bringing the future into the present so that you can do something about it now” ― Alan Lakein

5 min read

10 Must-Ask Questions for Your Financial Adviser

“Planning is bringing the future into the present so that you can do something about it now” ― Alan Lakein

5 min read

Your Financial Adviser plays a crucial role in shaping your financial future. Whether you’ve been with them for years or recently engaged their services, it’s essential to ensure that you’re on the right path.

Asking the right questions can help you evaluate your current Financial Adviser’s effectiveness, or even one with whom you are about to enter a relationship, and make informed decisions about your financial well-being. So, here are the top 10 questions to ask your Financial Adviser to ensure you are receiving trustworthy and suitable advice, and, if you read to the end, you’ll get a bonus, too!

1. Are they completely independent, or are they tied Advisers?

Tied Advisers work for or are associated with specific financial institutions, such as banks or insurance companies. They are “tied” to the products and services offered by their employer or partner. This often leads to receiving ‘incentives’, such as a bonus or commissions, based on the sales of specific products or services. You may find they have a limited range of investment options available to you, which in turn can harm your returns.

Independent Advisers on the other hand are not tied to any specific financial institution. They have the freedom to recommend a wide range of products and services from various providers, including those outside mainstream institutions. The income they receive is often not based on the sales of specific products and this transparency reduces conflicts of interest. The loyalty of an independent Adviser is to their clients first and this allows clients to benefit from advice that is the most effective for their own individual circumstances.

For example, at Patterson Mills we are wholly independent and so you will only receive recommendations that are in your best interests, with advice tailored to you.

2. How are they paid? Are they receiving commissions for any work undertaken or investments recommended?

If so, do you know how much they receive / have been receiving? Do you know what work has been carried out for this commission? Are you getting bang for your buck? It is important to know whether your Adviser is working in your best interests, or their own financial interests.

Your Adviser should always be transparent about how they are paid and all fees and costs that you might incur.

Inquire about both advisory fees and the expenses associated with the investments in your portfolio. Understanding these costs is essential for evaluating your overall returns.

3. Is everything charged in a transparent and clear way?

Transparency in fees and charges is paramount when working with a Financial Adviser. It’s essential to have a clear understanding of how your Adviser is compensated and any associated costs. A reputable Adviser should provide a detailed breakdown of all fees, including advisory fees, transaction costs, and any third-party fees related to investment solutions.

They should also explain the fee structure, whether it’s fee-only, fee-based, or commission-based, ensuring that you’re fully aware of how they earn their income. Transparency fosters trust in the advisory relationship, allowing you to make informed decisions about your financial investments and ensuring that there are no surprises when it comes to costs. If any aspect of the fee structure seems unclear, don’t hesitate to seek clarification from your Adviser to ensure transparency in your financial dealings.

4. What are your qualifications?

When evaluating a Financial Adviser, it’s crucial to inquire about their qualifications and credentials. These qualifications speak to their expertise and ability to provide sound financial advice. Look for Advisers who hold recognized certifications such as Chartered Financial Planner (CFP),  or are least a minimum of level-4 qualified.

Additionally, inquire about their educational background and whether they have specific training or experience in areas relevant to your financial goals, such as retirement planning, estate planning, or investment management. A well-qualified Adviser should be transparent about their qualifications and readily provide evidence of their expertise to instill confidence in their ability to guide your finances effectively.

At Patterson Mills, all of our Advisers have a minimum of a Level-4 CII certification, with additional qualifications up-to Chartered level, the gold standard of financial planning qualifications.

5. What's your investment philosophy?

Understanding your Financial Adviser’s investment philosophy is crucial to ensuring that their approach aligns with your goals and risk tolerance. An Adviser’s investment philosophy outlines their fundamental beliefs and strategies when it comes to managing your assets. They may follow a conservative approach, prioritizing capital preservation, or adopt a more aggressive stance, seeking higher returns with increased risk. It’s important to discuss their views on asset allocation, diversification, and the role of different asset classes in your portfolio. By gaining insights into their investment philosophy, you can determine whether it harmonises with your financial objectives and preferences, ultimately setting the stage for a successful and mutually beneficial advisory relationship.

By clicking here, you can download our Patterson Mills Investment Management Approach to find out exactly what the Patterson Mills investment philosophy entails.

6. What's my risk tolerance, and is it reflected in my portfolio?

Your risk tolerance can change over time. Ask your Adviser to reassess your risk tolerance and ensure that your portfolio aligns with it. This step can help prevent uncomfortable surprises during market fluctuations.

Your risk tolerance should be reviewed at least annually.

7. How accessible are you for questions and updates?

Communication is key. Ensure that your Adviser is accessible when you have questions or need updates on your financial situation. Discuss preferred communication channels and response times so that your expectations can be met.

8. Can you explain my investment strategy?

Understanding your investment strategy is fundamental. Ask your Adviser to explain the investment approach they’ve taken with your portfolio. This should include details on asset allocation, risk tolerance, and the rationale behind their choices. It is essential that you are able to make informed decisions and are kept up-to-date with exactly what is going on with your money and where it is going.

9. What is your succession plan?

It is important to understand what happens to your investments and relationship with your Adviser in the event of their retirement or unexpected absence. Is there a team or other Adviser available that will be able to continue advising you advice following their retirement, or will you have to take the effort to find one yourself?

10. What is the process for withdrawing funds or making changes to my portfolio?

Clarify the steps and timelines involved in making withdrawals, changes, or adjustments to your investments. You do not want to be caught out by any withdrawal fees that you did not know about beforehand and therefore have not planned for.

Bonus Question! What Is the process for reviewing and updating my financial plan?

Understanding how often your financial plan is reviewed and what prompts updates based on changing circumstances. Whilst your portfolio should be monitored on an ongoing basis by your Adviser, you should meet with or have an online meeting with your Adviser at least once per year.

Trust, Security, Patterson Mills

At Patterson Mills, we take pride in delivering the highest level of service to our clients. We understand that trust and transparency are the cornerstones of a successful advisory relationship. When you partner with us, you can rest assured that all your questions, including those about qualifications, fees, and investment philosophy, will be answered truthfully and comprehensively.

We are committed to providing you with clear, honest, and tailored financial planning advice, ensuring that your financial goals are not just met, but exceeded.

Your financial well-being is our top priority, and we’re here to support you every step of the way. So, get in touch to book your initial, no-cost and no-obligation meeting. Or, send us an e-mail to info@pattersonmills.ch or call us direct at +41 21 801 36 84 and we shall be pleased to assist you.

Categories
Financial Planning Investments Pensions

Smart Financial Moves for Expats in Switzerland

Smart Financial Moves for Expats in Switzerland

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki

5 min read

Smart Financial Moves for Expats in Switzerland

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki

5 min read

Moving to Switzerland can be an exciting and transformative experience. Known for its high quality of life, stunning landscapes, and strong economy, Switzerland offers ample opportunities for personal and financial growth.

Quite often, Expats in Switzerland have a higher level of disposable income than what was normal before moving to Switzerland. In such cases, it is essential to make informed decisions to ensure your financial stability and enhance your overall well-being.

In this article, we provide guidance on how to manage your newfound wealth responsibly and enjoy it, too!

Assess Your Financial Situation

Start by evaluating your current financial status, including income, expenses, and any financial goals you might have. Understand your after-tax income, fixed costs like rent or mortgage payments, utilities, and essential living expenses.

This assessment will serve as a baseline for planning your financial future.

Create a Budget

Developing a budget is crucial to managing your disposable income effectively. Allocate funds for essentials, such as housing, transportation, groceries, and healthcare. After covering the necessities, plan how much you can comfortably allocate to discretionary spending and savings.

Prioritise Debt Reduction

If you have any existing debts, consider using part of your disposable income to accelerate your debt repayment. High-interest debts, such as credit card debt, can accumulate quickly and hinder your financial progress. Paying off debts early can save you money on interest payments in the long run, though be sure to check the conditions of your debts to see if there are any clauses for early repayments.

Build an Emergency Fund

Establishing an emergency fund is a crucial step in financial planning. Aim to save three to six months’ worth of living expenses. This fund acts as a safety net in case of unexpected medical expenses, job loss, or other emergencies.

Contribute to Pensions and Retirement Accounts

Switzerland offers excellent pensions and other retirement options. Consider contributing to a pension fund (Pillar 2, which in most cases is compulsory for those working in Switzerland) and an individual retirement account (Pillar 3a). These contributions can provide tax advantages and help further secure your financial future.

Invest Carefully

Consult your Patterson Mills Financial Adviser to create an investment strategy aligned with your goals, risk tolerance and more. Diversify your investments across various asset classes to minimise risk and maximise potential returns. Switzerland has a well-developed financial sector with options like stocks, bonds, real estate, and more through retail and institutional investment platforms.

Save for Goals and Dreams

Whether it’s travelling, further education, starting a business, or purchasing a home, allocate a portion of your disposable income toward your personal goals and aspirations. Setting aside money for these purposes ensures you’re actively working toward your dreams and the life you want to achieve.

Charitable Contributions

You may wish to consider giving donating to charitable organisations or causes you believe in. Charitable contributions not only help those in need but also provide personal satisfaction and potential tax benefits.

Explore Switzerland

Living in Switzerland means you have access to stunning natural beauty, cultural experiences, and recreational activities. Take advantage of your new environment by exploring the Swiss Alps, picturesque villages, and vibrant cities. Balancing work and leisure is essential for your overall well-being.

Stay Mindful of Lifestyle Creep

As your income increases, there’s a risk of lifestyle inflation – spending more on non-essential items as you become accustomed to your new income level. Stay conscious of your spending habits and ensure that your increased income aligns with your financial goals.

Make the Most of All Opportunities

Moving to Switzerland and experiencing more disposable income than before can be an exciting opportunity. By responsibly managing your finances, setting goals, and making well-informed decisions, you can enjoy a prosperous and fulfilling life in this beautiful country.

Whether you’re saving for the future, enjoying local experiences, or contributing to charitable causes, your new income can be a catalyst for positive change in your life and the lives of others.

We are here to help you continue on the right path to financial success in Switzerland. Get in touch today to book your initial, no-cost and no-obligation meeting. Or, send us an e-mail to info@pattersonmills.ch or call us direct at +41 21 801 36 84.

Categories
Financial Planning

Why bother talking to a Financial Adviser?

Why bother talking to a Financial Adviser?

“A Financial Adviser isn’t an expense; they’re an investment in your financial future” – Brian Luster

5 min read

Why bother talking to a Financial Adviser?

“A Financial Adviser isn’t an expense; they’re an investment in your financial future” – Brian Luster

5 min read

In an age where information is just a click away, the question arises: Why bother talking to a Financial Adviser?

With an array of online resources and DIY investment platforms available, it’s tempting to believe that managing your finances solo is the smart choice. However, beneath the surface, the role of a skilled Financial Adviser holds immeasurable value that can make a profound difference in your financial journey. Read below to explore the compelling reasons why seeking guidance from a Financial Adviser is a wise move.

Expertise and Experience

A seasoned Financial Adviser brings a wealth of expertise and experience to the table. Just as you’d consult a medical professional for health concerns, a Financial Adviser is your financial health expert. Their deep understanding of market trends, investment strategies, tax implications, and risk management is a resource that can help you make informed decisions tailored to your unique situation.

Personalised Financial Roadmap

Generic financial advice may not suit your specific circumstances. A Financial Adviser takes the time to understand your goals, risk tolerance, financial obligations, and dreams. This personalized approach results in a tailored financial roadmap that aligns with your aspirations. Whether you’re saving for retirement, planning to buy a home, or seeking to grow your wealth, an Adviser crafts a strategy that’s uniquely yours.

Objectivity Amid Emotional Turbulence

Emotions often cloud financial decisions. When markets are volatile, it’s easy to get swept up in fear or greed. A Financial Adviser acts as a voice of reason, providing objective insights that help you steer clear of emotional pitfalls. They help you stick to your long-term plan, preventing hasty decisions that could negatively impact your financial future.

Holistic Financial Planning

Financial planning goes beyond investments. A skilled Financial Adviser engages in comprehensive financial planning that encompasses budgeting, tax optimization, retirement planning, estate planning, and more. They consider all aspects of your financial life to ensure every piece of the puzzle fits seamlessly into your broader goals.

Keeping Up With Complexity

Financial markets and regulations are complex and constantly evolving. An experienced Financial Adviser stays up-to-date with the latest trends, regulatory changes, and industry developments. Their insights keep you informed and equipped to adapt your strategy as needed, ensuring you’re not caught off guard by unforeseen shifts.

Navigating Tax Efficiency

Navigating the intricacies of tax planning can be overwhelming. A Financial Adviser understands the tax implications of your financial decisions and structures your investments to maximise tax efficiency. By legally minimising your tax burden, you retain more of your hard-earned money for growth and wealth-building.

Overcoming Analysis Paralysis

Information overload can lead to analysis paralysis, where you’re overwhelmed by options and unable to make decisions. A Financial Adviser cuts through the noise, presenting you with clear choices based on your goals and risk profile. This empowers you to take action without feeling overwhelmed.

Long-Term Relationship

A Financial Adviser isn’t just a one-time consultant; they’re your partner on your financial journey. They provide ongoing guidance, adjusting your strategy as your life evolves. This long-term relationship ensures that your financial plan remains aligned with your ever-changing circumstances.

Financial Success with Patterson Mills

Whilst technology empowers us with information, the expertise, personalised guidance, and objectivity of a Financial Adviser are unparalleled. The decision to talk to a Financial Adviser isn’t about admitting defeat; it’s about making a smart choice to optimise your financial well-being.

By leveraging their insights, you can navigate the complex financial landscape with confidence, set realistic goals, and work toward a secure and prosperous future. So, why bother talking to a Financial Adviser? Because the journey to financial success is far more rewarding when you have a trusted expert by your side.

It is our job at Patterson Mills to ensure you are on the right path to a brighter financial future. Get in touch today to book your initial, no-cost and no-obligation meeting. Or, send us an e-mail to info@pattersonmills.ch or call us direct at +41 21 801 36 84.

Categories
Financial Planning Investments

Do You Need Financial Advice?

Judgement-free conversations

Do You Need Financial Advice?

“A goal without a plan is just a wish” – Antoine de Saint-Exupery

2 min read

Do You Need Financial Advice?

“A goal without a plan is just a wish” – Antoine de Saint-Exupery

2 min read

When it comes to managing your finances, the wealth of resources now available can make it easy to try and go it alone. However, obtaining the right financial advice from a trusted and qualified independent financial Adviser will ensure you are able to plan ahead by including expectations for items such as inflation, market declines and your protection requirements, so you can stay on track. 

Receiving professional advice is one of the main advantages of working with a financial Adviser. Without obtaining this advice, there may be risks that you are disregarding without even knowing it. Emotional factors also have an influence on financial decisions and these can cloud judgement, causing illogical or irrational choices.

Achieving Your Goals

This includes confirmation bias, when we seek out information that reinforces an existing belief, which can lead to overconfidence in investment decisions. Your financial adviser will help  provide objectivity and identify any possible risks you may not be aware of. Having financial goals is also one of the main reasons to obtain advice. Whether it’s planning for retirement or another objective, having an experienced professional by your side can help you create and execute an investment plan tailored to achieving your individual goals.

Successful Investment Portfolio

If you are planning for your retirement, you now have more choices than ever before. While this offers numerous opportunities, it also means that careful consideration and knowledge of pension allowances, tax-efficient savings and other factors have become essential in order to ensure a comfortable retirement. Knowing what assets you hold and having a clear strategy is key to creating a successful investment portfolio, but these portfolios can become complicated over time. For example, you may have investments with several different providers, overlapping funds or funds that don’t align with your goals any longer.

Streamline Your Strategy

In such cases, it may be beneficial to bring all of your investments together and simplify the portfolio. Your Adviser will help you do this, as they will be able to construct a streamlined portfolio with a clear strategy suited to your specific needs and risk tolerance. When it comes to wealth building and preservation, tax planning is key. Investing within an Individual Savings Account (ISA) can be a way to start minimising taxes. However, there may be more complex strategies available that could further reduce the amount of taxes you have to pay. That’s where professional advice, if appropriate, will ensure you are able to maximise your tax savings by taking advantage of alternative sophisticated strategies.

Providing Invaluable Guidance

In addition, to maximise potential returns within your risk appetite, it will be appropriate to look beyond domestic stocks. When managing your own portfolio, you may sometimes be guilty of suffering from ‘home bias’, which involves overinvesting in local stocks, or ones more familiar to yourself, at the cost of international ones. Your financial Adviser will help you to use the full breadth of investment opportunities and make sure that you are getting the best potential returns. If you have recently come into a large sum of money, it can be difficult to know what to do with it. Your financial Adviser can provide invaluable guidance in this situation and help you make the right decision. You’ll have many questions such as should the money be invested or used to pay off your mortgage? Will there be tax implications? And is it best to invest all at once or over time? It’s important to remember that tax treatment varies according to individual circumstances and is subject to change.

Complex Financial Matters

Your Adviser will be able to assist you with these decisions, ensuring that you get the best possible returns and maximise your wealth in the long term. When it comes to complex financial matters,
receiving professional financial advice is important. With expert guidance, you can plan accordingly and make sure that your retirement goals are met without risking a substantial tax bill.

Professional, Personal and Proactive Approach

We can help you to understand how investments work and how market changes will affect them. We’ll also explain the associated risks and inform you on how proposed changes in legislation may affect your current and future tax strategies, so that you can make decisions with all the facts in mind.

To tell us about your goals and how we can help you, get in touch today and book your initial, no-cost and no-obligation meeting. Send us an e-mail to info@pattersonmills.ch or call us direct at +41 21 801 36 84.

Categories
Financial Planning

Creating the Life You Want

Creating the Life You Want

“Don’t go where the tide takes you. Build your own ocean” – Hiral Nagda

3 min read

Creating the Life You Want

“Don’t go where the tide takes you. Build your own ocean” – Hiral Nagda

3 min read

Your dreams, ambitions and needs. Successful financial planning prepares you for every possibility. Once you understand your dreams, ambitions and needs, you can take action to make sure that you are creating the life you want.

Shaping Your Future

Even the best financial plans and most experienced investors cannot always predict the complexities of life. So the starting point for protectiong, growing and passing on your wealth is to have a clear financial plan, linked to your lifestyle goals. Good financial planning should be flexible enough to adjust to the unexpected. This means that identifying and setting your short-term, mid-term and long-term financial goals are a vital part of the process towards becoming financially secure and independent.

Firstly, we take into account your financial needs, from wealth to investing to protection. Once you have identified your goals, the next part of the process is to build a bespoke financial plan and investment strategy to ensure that you achieve these.

Whatever stage of life you are at, having a plan in place will ensure you can take advtange of the opportunities as they present themselves and prepare for any challenges that you, your family or business may face.

Asking Questions

No two people have identical financial circumstances, which is why it is essential that you have your own complete financial plan and wealth solution that meets your individual needs and objectives. 

Planning for financial success can be complicated in today’s World. A broad knowledge of everything from complex retirement and investment products to risk management and strategies to tax laws is required.

Your financial plan is a roadmap that will provide you with clarity about your future. It should detail every aspect of your vision – your hopes, fears, dreams and goals. It should also describe exactly how your future will look and help you to know exactly where you are headed and when you are likely to arrive.

So, take some time and ask yourself the following questions:

  1. Can I sleep comfortable knowing I will have enough money for my future?
  2. Do I have the security of knowledge where I am heading financially?
  3. Am I ready for life beyond work?
  4. Am I going to be able to maintain my current lifestyle once I stop working?
  5. Have I made sufficient financial plans to live the life I want and not run out of money?
  6. Do I have a complete understanding of my financial position?
  7. What is ‘my number’ to make my current and future lifestyle secure?
  8. What will my Children’s future hold?
  9. How can I pass on my wealth to the next generation?
  10. Is now the right time to sell my business?

Part of this process is to understand your ‘number’ – in other words, the amount of money you will ultimately need to ensure complete peace of mind in konwing your future lifestyle is secure and making sure you do not run out of money. By getting to know you and what you want to achieve, we will be able to provide you with a detailed financial plan that is tailored to you. This enables you to get a clear understanding of your current lifestyle, your future and the life you want to live. Initially, creating a financial roadmap will enable you to make the right financial choices and achieve the right balance between current responsibilities and future aspirations. All of this should assist you in achieving your desired lifestyle goals and objectives over time.

Unwritten Goals Are Simply Wishes

If you do not know where you are going on your journey, how will you know when you arrive? This is even more true when it comes to the importance of having financial goals.

You need to set financial goals to help you make informed financial decisions. Goals should be clear, concise, detailed and written down. In addition, they should be as specific as possible, so look at your goals like a lamp lighting the way – the brighter the light, the clearer the journey ahead. If you do not have clearly defined goals, it can be easy to procrastinate. Think about your life and what you want to achieve, and what action you need to take to achieve the outcomes you want.

Measurability is another key aspect in order to be able to evaluate the progress of your journey. Give yourself realistic deadlines, to make your goals action-oriented whilst not being unreasonable or unattainable. Specifying dates and values will make your progress quantifiable, enabling you to complete your goals and visualise your destination.

Importantly, if you have the means to make additional investment to accumulate the required assets to achieve your goals, do not neglect to consider this option, too. You might even determine that you can achieve some of your goals in less time, or that it could take longer.

Preparing for the Road Ahead

Life doesn’t stand still, so your financial plans shouldn’t either.

To find out more, or to discuss how a comprehensive financial plan can support your lifestyle goals, please contact us.

Get in touch today and book your initial, free, no-obligation meeting. Send us an e-mail to info@pattersonmills.ch or call us direct at +41 21 801 36 84.