Once you have your financial foundations in place, you could be surprised at the rate of progress along your path. 

It could be that you are in work, and you have a workplace pension building up, you are making regular savings, you have the necessary financial protections in place. Suddenly, you can see how your financial future is looking achievable over time. 

We now need to start considering tax planning strategies and the use of the various allowances available to you, which can all be used to optimise your progress towards your goals. 

Furthermore, this is the phase where potentially, some of your ‘earlier’ goals or transitions could start to take place. You could be looking to buy a house, get married, start your own business, start a family, change careers. 


This is one of the most important phases of your financial future. Get this right, and the rest will be plain sailing. Mistakes at this stage can have a huge, negative impact on your future plans. 

It is in this phase we really focus on ‘What is your Number’ and focussing your attention and work towards this point. Upon hitting your ‘Number’ you have reached true financial independence – a time where, based on your planned lifestyle, you are in a position where if you do not earn another penny in the future, you can afford to live out your planned lifestyle, with minimal risk of running out of money within your lifetime. 

Ready to start?

If you are interested in reaching your finacial goals now is the time to get in touch!

Where are you on your financial journey?

Financial Foundations

Developing Your Future

Focus On Retirement

Already Retired

Business Owners

The value of your investment can go down as well as up and you may not get back the full amount you invested.

Send Us a Message

Before you supply any personal details to us via the contact us page on this website please read our customer privacy notice document . This notice sets out how we will process your personal data in line with the General Data Protection Regulations. Once you have read the customer privacy notice, please tick to confirm that you have read it and that you agree to Ruby Red Financial Planning Ltd. processing your personal information for the purpose of contacting you. We will not use the details you provide us in the contact page to market to you.