b'Defining your objectives Your plan will be totally individual to you and fully focused on your needs. We can help to find the answers to important questions, such as:When can I afford to retire and once retired how long will my money last?What could I do to protect both myself and my family if I was unable to work due to sickness and/or long term ill health?What will happen when I die and how can I be sure that my accumulated wealth is distributed in line with my wishes?What level of return will I need to meet my objectives?How much risk am I prepared to take and what would be my capacity for loss if I was forced to cash in investments earlier than originally planned due to unforeseen circumstances?Can I afford to gift money to relatives and still enjoy the lifestyle I want for myself?Is it possible to reduce my potential inheritance tax liability?We will work with you to identify your goals and priorities, together with your attitude to risk.'