“We could move now. We are not sure whether we should.”
Making room without losing resilience
We compare the move with the quieter costs around it: reduced savings, school years, repairs and the cash buffer that helps the plan breathe.
Independent financial planning · York
Give the years ahead a clear direction.
We turn pensions, savings, tax and family commitments into one understandable plan—then revisit it as life changes. No market theatre. Just careful decisions in the right order.
- Chartered Financial Planner
- Independent advice
- Based in York
01 · Make space Home
Test the move against savings, breathing room and everything else you want the plan to hold.
A planning conversation, made visible
Move the milestones. See which questions move with them.
Drag each marker to an illustrative age, or use the keyboard. This is not a forecast or personal financial advice; it is a simple way to begin discussing timing, priorities and trade-offs.
Illustrative projection
Your route through four decisions
Timing window, not expected return
01 Home move
02 Sabbatical
03 Education support
04 Retirement
Planning areas
One plan, not six separate products.
We begin with what your money needs to do. Recommendations follow only where they are useful and proportionate.
- 01
Cashflow & life choices
Map what is affordable now, what needs time and where flexibility matters more than precision.
- 02
Pensions & retirement
Bring workplace, personal and older pensions into one view, including tax and withdrawal choices.
- 03
Investments
Agree a level of risk you can understand and live with, then keep costs, tax and diversification in view.
- 04
Family & protection
Plan gifts, education support and practical protection without weakening your own resilience.
- 05
Tax allowances
Use available allowances in context. Tax is one part of a sound decision, not the reason for making it.
The questions people bring
Planning usually starts with a sentence, not a spreadsheet.
“I want six months away before work becomes harder to leave.”
Giving time off a real place in the plan
We test the sabbatical against income, pension contributions and return-to-work assumptions, with room for it to cost more or last longer.
“I have enough accounts. I need to know when work can become optional.”
Turning accumulated assets into choices
We organise what you have, examine sustainable spending ranges and set review points. The answer remains a range, not a guaranteed date.
Your adviser
Elizabeth Rowe, FPFS
Chartered Financial Planner · Founder of Northward Planning
Elizabeth has advised families and professionals across Yorkshire for eighteen years. She founded Northward to make long-term planning feel less like a performance and more like useful work done around a table.
Her role is to explain the consequences of a decision before recommending a product. That means asking about work, family, health and uncertainty—not just the numbers that happen to fit in a fact-find.
- FPFS
- Fellow of the Personal Finance Society
- Chartered
- Chartered Financial Planner status
- 18 years
- Advising clients across Yorkshire
- Independent
- Recommendations from the whole relevant market
A practical first step
Bring the question you keep circling.
The first 30-minute conversation is at our York office or by video. We will ask what has changed, explain where planning may help and set out any fee before you decide whether to continue.
Request an initial conversation- No preparation pack
- No obligation to proceed
- Fees explained in pounds, before work begins