Paper boat made from five pound note

Think about your money being a sail. It’s the tool you use to get where you want to go! The wind in that sail is the value.

We don’t want to just have enough money, we want to live the best life with the money we have. To make sure that you are sailing in the right direction it might be a good idea to start thinking about what is really important to you so that you can determine which way you sail and how much wind you will need in those sails to enjoy life now and to achieve your ultimate destination and goals in the future.

Instead of asking yourself if you have enough money, or if you will run out of money, ask yourself this question: Am I managing my money in a way that is giving me the best out of life now and allowing me to build for my future and later life? We don’t want you to have just have enough money, we want you to live the best life possible with the money you have.

This starts with thinking about what is really important to you. The people you care about most, the causes that are dear to you, the activities and hobbies that keep you feeling full of energy, fit and active and all the things that you enjoy most and that help build the wisdom that you will pass down to your children and grandchildren so that they live their best life possible too.

At the end of the day, your money is not the shore we are sailing to. It is not the sea you are sailing on. It is not even the boat you are steering. Your money is the sail, it is the tool you use to get you where you want to go. The wind in that sail is where you want to go! It is your values. We believe that aligning your financial plan with the values that you have set down is every bit as important as sorting out your tax situation or managing your investments.

Just like a good sailor who manoeuvres to catch the most wind , aligning what’s most important to you with your financial resources is the key to successful financial planning.

Give us a call and let’s find the wind in your sails and to help you to steer in the right direction towards your future. We can prepare you a lifetime cashflow model to plan for you future and giving you the best possible life with the money that you have. It all starts with a chat at our cost, so give us a call on 01226 446135 or Email

Investments carry risk. The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.


Hartcliff is a trading name of Hartcliff Limited, which is a limited company registered in England & Wales
No. 09321837 Registered Office: Marland House, 13 Huddersfield Road, Barnsley, S70 2LW

Hartcliff Limited is an appointed representative of Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority

The information contained within this website is subject to the UK regulatory regime and therefore targeted at consumers in the UK.