So much of what we have known has changed and there is more to come. A good example is the governments ever increasing indebtedness; in the absence of sufficient economic growth the burden falls on us and our children through higher taxes. Statistically, we are living much longer than we have ever done and this has a knock-on impact on government and personal finances. Energy, childcare, education and university costs are all becoming ever more expensive. The jobs or careers which seemed safe in the past are less so and job insecurity is now a fact of life for many. Quite simply, the future appears more expensive, and chancing things is no longer an option.

I have launched Luwero Wealth Advisers with a goal of educating, informing and helping people to look at and understand the big picture. As an example when inflation is high but we can help negate it’s impact by allowing it to boost our savings. Tax increases have hit everyone but how sure are we that we are utilising the many tax reliefs available to us as a way of reducing the burden? We have worked very hard for our assets and would like to pass this on to our children but how do we know we are holding those same assets in the most tax efficient manner to aid that goal? If there is one thing I have learnt over the last 4 years, it's that anything can happen at any time and this is where protections comes in handy.

You cannot prepare for every eventuality in life and that’s a fact but every little helps. Whether it's for yourself or your family, I personally believe that everyone can improve their financial situation, through tax-efficient investing, investing for foreseeable/unforeseeable change in circumstances, or having protection in place for the unexpected.

• Tax Planning: I can help you reduce your tax liability by taking advantage of tax-efficient investments and strategies.

• Retirement Planning: I can help you create a retirement plan aiming to provide you with the income you need to live comfortably in retirement.

• Estate Planning: I can help you protect your assets and ensure that your wishes are carried out.

• Risk Management: I can help you protect your assets from financial risks.

If you are ready to take control of your finances and achieve your financial goals, please contact me today. I would be happy to schedule a consultation with you.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise.  You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on indiviudal circumstances.