We characterise this stage as being the first two to five years of employment or business. Generally working long hours to establish a good foundation with low levels of income or profit combined with the pressures of personal life.

If in business, you may have invested substantial funds to get things going, either through private cash or guarantees from the bank. You find the biggest challenge here is juggling the management roles of marketing, finance, operations, sales and HR with little external support, whilst being dependent on one major customer or contract.

At this stage we look to underpin the risks you have taken and help you design a financial strategy to move to a more secure place and start to build short term savings to protect what you have started.

Take a look at some of our useful tools to see how we can support you and your family.

• Our Mortgage calculator to see how much you could potentially borrow
• Our risk calculator to help you prepare for unforeseen circumstances
• Our ISA calculator to understand how rewarding investing tax efficiently for the long-term can be

To take full control of your financial future and manage your wealth, please contact Ian White or Mitchell Forster on 0333 358 3468 or email abacuswm@sjpp.co.uk.

Preserving your estate for future generations, we work to maximise opportunities along with an investment strategy matched to your needs. Tax treatments depend on individual circumstances and are subject to change. Investments rise and fall in value, so returns aren’t guaranteed. Over time investments have historically provided higher returns than cash over long term periods, but you could still get back less than you invest.