As your family grows up, you may want or need a bigger house, and start planning for school and university fees. Your children may also look to you for further financial support, such as their own weddings, or property purchases.

To get what you want in life it’s important to plan when you want to retire, and the quality of life you want to enjoy in retirement. If you are 50 and you wish to retire early at 60, that means you have only another 10 years to earn as much as you can to fund your retirement. No matter where you are in your career, planning for your future financial success is essential. And the earlier you start; the better off you'll be in the long run.

Being successful financially isn't just about how much you earn over time - it's about what you do with it. How much you spend, and how much you save and invest have a huge impact on your future lifestyle. It's never too early - or too late - to plan your future. And the great news is you don't need much income to build yourself a wealthier future.

HOW AN ADVISER CAN HELP YOU

1. Wealth management

Giving you advice on savings, investments, tax planning and retirement planning.

2. Personal and business protection

Ensuring you have the appropriate level of life cover, critical illness cover, income protection cover and business cover.

3. Retirement planning

Advising you on pension funds, personal funds, company or trustee funds.

4. Wealth preservation

Estate planning, succession planning, trusts.