1. Your Money & Your Life
Planning for the future while living for today
PAUL McCOUBREY – FINANCIAL PLANNER

2. Did you know...
95% of people are dead
or dead broke by age 65

3. Did you know...
7 million people are afraid
to talk about money with
people they know

4. Did you know...
4 million people run out
of money before the end
of the month

5. Did you know...
70% of people have made
no provision to cover a
fall in income

6. Did you know...
47% of adults have no
family protection

7. Did you know...
40% of people who own
Equity ISAs are not aware
that it fluctuates…
15% of people with Cash
ISAs think it’s value does.

8. Did you know...
8 out of 10 retire with a
pension of less than £38
per week!

9. You and your money...

10. You and your money...

11. You and your money...
• Get organised
• Income vs. expenditure
• Set a budget
• Net worth
• Debt repayment plan

12. You and your money...
• Financial & Retirement
• Family / Friends
• Career
• Health / Fitness
• Personal Development

13. You and your money...
• Start saving
• Repay unsecured debts
• Make your money work harder
for you
• Protect your family –
Wills, Life Insurance
• Plan & Save for your retirement
• Review, Review, Review

14. You and your money...
Seek advice and
support if needed

15. Paul’s 7 steps to
financial security

16. Paul’s 7 steps to financial security...
1. Live within your means
& pay yourself first!!

17. Paul’s 7 steps to financial security...
2. Develop a budget

18. Paul’s 7 steps to financial security...
3. Pay off unsecured debts

19. Paul’s 7 steps to financial security...
4. Make your money work
harder for you

20. Paul’s 7 steps to financial security...
5. Protect your income &
your family

21. Paul’s 7 steps to financial security...
6. Plan and save for your
retirement

22. Paul’s 7 steps to financial security...
7. Revisit & Review

23. What should you look for
in a Financial Coach?

24. What should you look for in a Financial Coach?
• Recommended by someone you trust
• Someone who has experience
• Someone who doesn’t charge for the first meeting
• Someone you can build a relationship with
• Someone who is confident and you can see knows
what they are talking about
• Someone who is proactive but not pushy
• Someone who is open about how they make money
• Someone who answers your questions

26. “Good money sense needs to be as
much part of people's lives in the
21st century as healthy eating and
keeping fit”
Otto Thoresen, Designer of the UK national money guidance service

27. Thank you
PAUL McCOUBREY
pmc@financialchoices.co
FINANCIAL CHOICES TELEPHONE 0845 257 5861
1 BELMONT OFFICE PARK FAX 0870 705 1765
232 BELMONT ROAD EMAIL office@financialchoices.co
BELFAST BT4 2AW WEB financialchoices.co
Financial Choices UK LLP is a limited liability partnership registered in Northern Ireland with
registered number NILLP3 and registered office 1 Belmont Office Park, 232 Belmont
Road, Belfast, BT4 2AW and is authorised and regulated by the Financial Services Authority.