Life rarely follows a straight path. Just when you feel settled, something changes. A shift in career, a family milestone, an unexpected inheritance or even a difficult divorce can throw your financial future into question. These moments carry emotional weight, but they also come with complex financial decisions. And it's in these situations where the right advice makes all the difference.
At Voyage Financial Planning, we provide a trusted wealth management service in Southampton designed to guide you through every twist and turn. Our role isn’t just about numbers. It’s about understanding what matters to you and helping you navigate financial choices with clarity, confidence and care. Whether you're preparing for retirement, managing a sudden windfall, adjusting after a separation or planning as a self-employed professional, we’re here to support you with tailored strategies that evolve with your life.
Self-Employment: Planning When You’re Your Own Boss
Being self-employed offers freedom, but it also means taking full responsibility for your financial stability. Without an employer contributing to a pension, offering sick pay or managing your taxes, you need to be proactive. Income can be unpredictable, and long-term planning can often take a back seat to the day-to-day running of the business.
We work with self-employed professionals across sectors to help them build a resilient financial foundation. This includes creating personal pension strategies, building savings buffers, managing tax liabilities and protecting income. We also help you plan for maternity or paternity leave, expansion plans, or a potential exit from the business. Whether you're just starting out or scaling a growing company, we help you build a roadmap that balances ambition with stability.
Receiving an Inheritance: Making Thoughtful Financial Decisions
Inheriting money often comes during a time of emotional loss. You may feel pressure to make the “right” decisions quickly, but rushing into investment choices or large purchases can lead to regret later. This is where considered, impartial advice is vital.
Our team helps you pause and assess your full financial picture before acting. We look at how the inheritance fits into your wider goals, what it means for your tax position and how best to preserve and grow it. We also consider potential Inheritance Tax liabilities, investment structures and gifting strategies. Whether it’s using the money to reduce debt, invest for future generations or increase financial security, we help you make smart, informed choices that align with your values.
Retirement Planning: Turning Uncertainty Into a Strategy
Retirement isn’t a finish line, it’s a transition. And no two retirements look the same. You might dream of early retirement, or perhaps you're approaching state pension age with questions about when and how to access your savings. Either way, the stakes are high. You need a plan that reflects your lifestyle goals, tax considerations, investment risk and long-term security.
At Voyage Financial Planning, we begin by understanding your current position and future hopes. From there, we build a tailored retirement plan that ensures your money supports your desired lifestyle. We analyse your pension pots, ISA holdings, other investments and income streams, and factor in inflation, longevity and market movements. We also help you explore options like phased retirement, downsizing or using drawdown to maximise flexibility. The result is a clear, adaptable plan that evolves as life continues to change.
Navigating Divorce: Regaining Financial Control
Divorce brings more than emotional upheaval—it also creates financial complexity. From the division of assets to questions about pensions, property and future income, the process can feel overwhelming. It’s easy to miss long-term impacts when you're focused on short-term survival.
Voyage Financial Planning offers support that is clear, strategic and grounded in experience. We work alongside your legal team to ensure settlements are fair and that your future financial needs are considered. We model different settlement scenarios and help you understand what each option means for your future. Post-divorce, we help you rebuild confidence in your financial life—creating a new plan that supports your goals as a newly single individual, with careful attention to cash flow, investments, protection and long-term planning.
Why Personalised Advice Matters
Financial planning isn’t just for the ultra-wealthy. It’s for anyone facing life’s big changes and decisions. At Voyage Financial Planning, we believe that the most effective wealth management is built on trust, understanding and clarity. We don’t offer generic solutions—we offer guidance tailored to you.
We take time to understand where you are now, where you want to go and what obstacles you might face along the way. Life isn’t static. Your financial plan shouldn’t be either. As your circumstances change, we adjust the plan to keep you on track. It’s this long-term partnership that gives our clients peace of mind, knowing they have someone in their corner who understands both the numbers and the bigger picture.
Start Your Journey with Voyage
If life has brought you to a crossroads—whether it’s retirement, inheritance, divorce or self-employment—now is the time to take control of your financial future. Our wealth management service in Southampton is here to help you navigate uncertainty with confidence and care.
Contact Voyage Financial Planning to schedule a consultation. Let’s explore how we can support your goals and turn financial complexity into clarity.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
A pension is a long-term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
