Before the lump sum becomes someone else's product, make it your plan.
“I've been given a lot of money, everyone has an opinion, and I don't want to get it wrong.”
A lump sum changes what's possible, and it usually means more advice arrives, faster, than you asked for. Before any of it is committed, it helps to have an independent plan that isn't attached to a product.
Request a free discovery sessionBefore you commit to any of it, get a clear, independent plan for what actually fits your life.
I’m Luis Silva, a licensed financial adviser (FSP1009370) working independently, not for a bank, an insurer, or a fund manager. Whether it’s an inheritance, a settlement, or a windfall, let’s build the plan before the product.
Not ready to talk yet? Start with the free Lump Sum Checklist: eight decisions to make before you move the money.
What this looks like in practice
- A full picture of your income, assets, and existing debts before you decide anything
- Clarity on what you actually want this money to do for you
- An independent read on the offers and products headed your way, and whether they genuinely fit
- A written Statement of Advice, produced to Financial Markets Conduct Act 2013 standards, before a cent is committed
- A clear answer on what, if anything, needs implementing, and by whom
About to make a decision with money you can't undo?
Get an independent plan before you commit any of it.
Request a free discovery session