Stage Financial

financial Planning


Financial Planning For The future

Howard Morgan, Wealth Manager creates your tailored financial plan with a holistic personal approach.

We all have dreams and financial goals, most of us will have to plan to achieve them, they won’t just happen by themselves. I work with clients to help them accomplish their life and financial wish list, by giving professional advice for the now, short and long-term.

Turning financial dreams into realities

Stage Financial’s personal approach to financial advice has led to clients achieving their financial targets. I do this by taking time to understand their individual circumstances, as no two situations are the same. By avoiding a generic path, I can provide personalised advice, that encompasses a wide variety of investment options, thanks to my platinum standard of training. This allows me to advise on such sectors as defined benefit pension transfers, long term care and equity release.

Financial stages of life

Depending on how old you are or where you are personally and professionally, you probably have specific financial goals. These undoubtedly will change as your circumstances alter.

Most clients start with saving for a deposit for their first property, then in turn the mortgage for that house or flat. Moving in with a partner, perhaps marriage and children bring a new set of financial hurdles, hopefully as your salary increases in accordance with promotions, you have your eyes on moving to a larger house.

School fees, raising children, and possible inheritances mean you could be interested in both saving and investing – both areas that I am qualified to provide advice on.
As age creeps up, retirement (full or phased) flags up pensions, downsizing, long-term care, and bequests.

Having considerable experience in this sector, I have the expertise and knowledge that some competitors might lack.

Your personal financial Plan

What your plan will look like, is of course dependent on your circumstances and goals. Broadly speaking, most plans focus on helping increase your savings and investing your money in tax-efficient vehicles.

Financial protection in case something happens to you or your family is another frequent point on clients’ lists. As is ensuring that money left in wills, is not overly reduced through taxation.

Getting started

The best way to kick off your financial planning is for us to speak. I will give you an honest evaluation of how I could or couldn’t help you. 

Due to my tailored approach, I am unable to offer generic advice, but am happy of course to have an initial conversation to demonstrate how I could help get your financial matters in order and help you achieve your goals.


  • The value of pensions and investments and the income they produce can fall as well as rise. Therefore, you may get back less than you invested. 
  • Tax treatment varies according to individual circumstances and is subject to change.
  • The Financial Conduct Authority does not regulate advice on estate planning and some forms of taxation.

Book a 15min Clarity Call