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In these unprecedented times, financial planning could not be more important, even though it is quite clear that for many people, any plans that have been put in place may have to be amended.

For some, retirement may get pushed back, or new projects may get shelved. What is most important is that your financial plan is flexible and fluid and able to change as the circumstances change.

What is key is not the plans themselves, but the ongoing process of planning. A good example of that concerns one of the fundamentals of nearly all financial plans – the requirement for an emergency cash fund.

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Registered in England and Wales No: 3053936. Registered Office: Lancaster House, Ackhurst Business Park, Foxhole Road, Chorley Lancashire PR7 1NY.

Perspective (South West) Limited is authorised and regulated by the Financial Conduct Authority.

Perspective (South West) Limited is a subsidiary of Perspective Financial Group Limited.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service Exchange Tower, London, E14 9SR

Tel: 0800 023 4567 or 0300 123 9 123


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