How does lifestyle financial planning
work for individuals?

Our approach to lifestyle financial planning is less about looking purely at your current and future financial assets and more about looking at what LIFESTYLE you want these assets to support… and then helping you to plan to bring the two into line with each other.

There are four steps to the Hartcliff process, all designed to guide you towards long-term piece of mind. If you like the look of this, then please contact us so that we can put Step 1 in place.

Step 1

The first step is for us to get to know you: your lifestyle and where you want to be in the future. We conduct an audit, covering your personal situation, family and career, and how these are affecting your goals and aspirations. We analyse your assets, income and expenditure and how these are impacting on, or can be used to help you achieve, your desired objectives.

Step 2

Armed with all this information, which we of course treat with the utmost confidentiality, we conduct a detailed analysis. From this we produce a cashflow model, using the assumption that you will do absolutely nothing different from what you are currently doing today.

Step 3

We then project forward how the future will look for you. We can then produce a series of “What if?” scenarios, modelling various outcomes such as early retirement, working longer, helping kids out with deposits for houses etc. These form the basis of the preparation of a comprehensive life plan, unique to you.

Step 4

Once a life plan has been agreed, we will help you to implement it! We work with you to monitor the plan to ensure it is still working for you, or sensibly modify it whenever life throws some curveballs to change things… which of course always happens. The plan is designed to be a flexible tool, not a straightjacket. As well as a formal annual review, we encourage our clients to enter into a collaborative relationship with us, with regular dialogue.


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.