If you have children, as they grow up and start to make their own way your financial priorities change (although the bank of Mum and Dad seldom closes).

We tend to spend our 20s and 30s creating the family home, having a mortgage and possibly a few career changes. We then reach a stage where our financial priorities change as we realise that retirement is approaching.

Have I saved enough money?  Is my pension pot going to be big enough? Is my money invested in the right places?  Should I be paying more to my mortgage?  Will my family be affected by Inheritance Tax?  What do I do if my health deteriorates?  At McCreas our specialist advisers will discuss your priorities and future plans and help you create your financial plan which helps to prepare you for the years ahead.