We all have dreams and aspirations for ourselves and our family. Whether that be setting our children on the right path in life with a good education or the chance to travel the world in retirement these plans are inevitably linked to our family finances. Many of us put money aside for these life events without having a structured plan that determines how we can most effectively save for each. Considerations such as tax implications, timescales, whether income or lump sums are needed, whether these savings should be easily accessible or invested and the risks associated with each will make a significant difference to the extent with which we achieve our goals. Often overlooked, it is equally important to ensure you and your family are protected so that in the event of illness or even premature death these plans are not affected by the adverse financial implications of the inability of the breadwinner to continue earning. I strongly believe that an excellent long term relationship with a financial planner will help families to achieve their dreams and aspirations not just now but for generations to come. I make it my purpose to help families determine what these dreams and aspirations are and how they can best manage their finances to achieve them. 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. Poole-Graham Wealth Consultancy 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).