Fox Lifestyle Financial Planning

One of the biggest mistakes people make with investing is comparing their portfolio to someone else’s.

What feels like a sensible level of investment risk to one person might feel completely uncomfortable to another.

Your financial plan should reflect:
• Your goals
• Your timeframes
• Your income and lifestyle
• How comfortable you are with market ups and downs

There’s no such thing as a perfect investment strategy for everyone.

The right plan is the one that helps you stay on track without panicking every time the market moves.

𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘪𝘴𝘯'𝘵 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘤𝘢𝘯 𝘨𝘰 𝘥𝘰𝘸𝘯 𝘢𝘴 𝘸𝘦𝘭𝘭 𝘢𝘴 𝘶𝘱, 𝘢𝘯𝘥 𝘺𝘰𝘶 𝘮𝘢𝘺 𝘨𝘦𝘵 𝘣𝘢𝘤𝘬 𝘭𝘦𝘴𝘴 𝘵𝘩𝘢𝘯 𝘺𝘰𝘶 𝘪𝘯𝘷𝘦𝘴𝘵.

It means everything when clients tell us our work has made a real difference.

Thank you, Brian, for trusting us with your retirement planning.

Helping you build confidence in your financial future is exactly what we're here to do.

📞 01772 956 043
🦊 www.foxlifefp.com

Meet George 👋

Lifestyle Financial Planner at Fox Lifestyle Financial Planning.

Family man, footballer, gym regular and chess player, who celebrated turning 50 by kayaking, snorkelling and cliff diving in Ibiza.

Read his Take 5 on our blog 👉

Take 5 with George - Fox Lifestyle Financial Planning Get to know the faces behind the screens with our quick-fire Take 5 questions. This time we’re speaking to Lifestyle Financial […]

How much will you have to live on when you stop working?

Most people have no idea. Not because they don't care, but because pensions are dull and retirement feels a long way off.

We have put together a guide to working it out for yourself, plus a free spreadsheet to fill in.

To complete it, you will need three things:

1. Your State Pension forecast from GOV.UK
2. A list of every pension you have ever paid into
3. A rough idea of what a year of your life costs

It will not tell you everything. For example, it does not work out your tax, it does not know how long you will live, and it says nothing about whether your pensions are invested sensibly.

But you will finish with a figure for what is coming in and a figure for what is going out - which is more than most can say.

🦊 https://foxlifefp.com/blog/retirement-planning-spreadsheet/

“Should I just leave my money in cash?”

This is one of the most common questions we hear, so here is our take.

Cash absolutely has its place for:
✔ Emergency savings
✔ Short-term spending plans
✔ Financial security

But (there's always a but) over longer periods, cash can struggle to keep pace with inflation which means its real-world spending power reduces over time.

That’s why investing isn’t just about growing wealth, it’s often about helping your money maintain its value and support your future lifestyle goals.

Every situation is different, so getting personalised financial advice is really important. There is no one-size-fits-all approach.

We're pleased to welcome George Ramsden to the team as our new Lifestyle Financial Planner.

George has been in financial services since 1999, with a career that's taken him through advice, compliance, and senior management at a large regional firm.

His approach is simple. Take the time to understand someone's life and what they're working towards, then make sure the plan actually fits that, not the other way round.

It mirrors our own approach at Fox Lifestyle, which is a big part of why we wanted George on the team.

Welcome to Fox Lifestyle, George. 🦊

A lot of people think investment risk is simply about “how much money could I lose?”

But there’s another side to it.

Taking too little risk can also create problems over time - especially when inflation quietly reduces the spending power of cash sitting in savings accounts.

That’s why financial planning isn’t about choosing the “highest return” or the “safest option”.

It’s about finding the right balance for your goals, your timeframe, and your comfort level.

The best investment strategy is usually the one you can stick with confidently through the ups and downs.

𝑻𝒉𝒊𝒔 𝒑𝒐𝒔𝒕 𝒊𝒔 𝒇𝒐𝒓 𝒈𝒆𝒏𝒆𝒓𝒂𝒍 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏 𝒐𝒏𝒍𝒚 𝒂𝒏𝒅 𝒊𝒔𝒏'𝒕 𝒑𝒆𝒓𝒔𝒐𝒏𝒂𝒍 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒂𝒅𝒗𝒊𝒄𝒆. 𝑰𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕𝒔 𝒄𝒂𝒏 𝒈𝒐 𝒅𝒐𝒘𝒏 𝒂𝒔 𝒘𝒆𝒍𝒍 𝒂𝒔 𝒖𝒑, 𝒂𝒏𝒅 𝒚𝒐𝒖 𝒎𝒂𝒚 𝒈𝒆𝒕 𝒃𝒂𝒄𝒌 𝒍𝒆𝒔𝒔 𝒕𝒉𝒂𝒏 𝒚𝒐𝒖 𝒊𝒏𝒗𝒆𝒔𝒕.

We’re delighted to welcome Alfie Fletcher to Fox Lifestyle Financial Planning as our new Junior Financial Planning Administrator.

Alfie joins the team as we continue to grow and strengthen the support we provide to our clients.

In his role, Alfie will be helping with the day-to-day administration that keeps everything running smoothly behind the scenes.

Welcome to the team Alfie! 🙌

A lot of people think investing means simply buying shares.

In reality, most investment portfolios are made up of a mix of different assets, such as:

• Cash
• Bonds
• Property
• Shares
• Commodities

Spreading investments across different areas can help manage risk and reduce reliance on one single market or sector.

Different mixes suit different people. Someone approaching retirement may invest very differently to someone investing for the next 25 years.

Good investing isn’t about chasing headlines. It’s about building a portfolio that fits your life and goals.