Whether through hard work, inheritance, business sale or even a lottery win, you are in the privileged position of having sufficient capital to achieve financial independence.

Many people will assume your financial problems are over, yet in our experience money does not necessarily bring peace of mind:

• How do you protect your financial future, when now you have potentially so much more to loose?
• You want to provide your children with the best possible start in life, but you want them to gain their independence as well.
• You may want to help other people with their businesses, but you need to assess whether such a move will be successful for all parties concerned.

Having capital does not mean you stop working – it means your working life changes. Money has to be managed or it can be lost - to the taxman, through inappropriate investments, or just spent and not replenished.

In many ways your responsibilities increase. A large house, staff, the needs of successive generations are just some of the possibilities that must be considered. You have the financial independence to put yourself first, but invariably it is the needs of others that drive you.

You understand the benefits a professional adviser provides, your legal and business affairs have gained as a result. Perhaps now is the time to bring a similar level of expertise, discipline and structure to your personal financial affairs.