EARLY MARRIED LIFE

This may be a high accumulation, high expense period, with perhaps two incomes, but an active social life. May be difficult to get down to planning initially, after which you may wish to consider the following as preparation for discussing the matter with your financial adviser:

1. It may be worth reviewing existing savings strategy.

2. Personal protection may need to be extended or even set up, particularly if one partner does not work, or a child is expected, to make provision for the survivor(s).

3. Acquisition of property will probably arise, so the correct purchase route needs to be chosen.

4. Full utilisation of personal tax allowances should be ensured.

5. Pensions may be relevant as promotion and prospects improve.

6. Wills should be written by both parties

7. Expenditure is likely to increase, along with commitments. How will this affect savings and investment stategies?

REMEMBER You should not use any information contained on this page as the basis of any action until you have discussed matters with your financial adviser.