Becoming the CFO of your own life

We’re hard-wired to live in the present – it’s part of our survival instinct, but your future is a tapestry of events woven from the threads of choices and actions you take every day. Whether you want to spend your retirement cruising around Cardiff Bay on your speed boat, dreaming of sipping piña coladas in the Caribbean or maybe you’ve decided that you’d finally like to live a little closer to your loved ones. Clarity, plan, and action are the tickets to get you to where you want to be. 

You may struggle to strike a balance between whether you should live for today or plan for tomorrow. Working with my clients, I instead turn the conversation to what sets their pulses racing:

What do you want on your life’s highlight reel? 

At what age can you achieve financial freedom? 

What legacy do you want to leave for your family to enjoy? 

Whatever your goals are, they are unique to you.

My job is to turn those ambitions into a custom-fitted, dynamic, and agile roadmap. You may be dealing with a mishmash of pensions and ISAs – I’m here to bring a bit of clarity, order, and direction to your existing arrangements – always rooted in your goals and values. Consider your assets like soldiers at your command – ready to march forward in your campaign for the life that you want. And for those who do not yet know their ISA from their elbow, fear not—we can build your financial foundations from the ground up.

I love demystifying the often-complicated area of financial management. I make it easier for you to understand how to manage your spending and savings and support you in navigating the emotional side of making financial decisions. 

A downside of the survival instinct of living in the moment is that our emotions rule us, and money can push our buttons like nothing else. Whether it’s your circumstances throwing you a plot twist, or you are finding yourself reacting to the market’s movements – seeking the support of a financial adviser who’s one step removed from the situation, can be a real help – we’re emotional beings, not robots after all. 

Now, it is inevitable that there will be one of life’s ‘curveballs’ now and then — a break-up or divorce, a life-changing career move, or a surprise expense; your plan will need recalibrating from time to time, and that’s okay. Just as we seek out the advice of people we trust when we’re going through the inevitable choppy seas of business and life, utilising the expertise of a financial ‘First Mate’ is critical to ensure that you stay on course to achieve your goals. I am here to help you adjust your financial sails when the winds of change blow. Together, we can review and refine your financial plan to reflect your new circumstances, ensuring that your goals remain in sight, even if the path to reach them has shifted. 

Remember, the future doesn’t just happen — it’s made. 

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Millfield Wealth Management Limited is an Appointed Representative of and represents only 

St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website click here. 

The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

Jodie Powling BSc(Hons) APFS Cert CII(MP&ER)

Chartered Financial Planner & Financial Planning Director at Millfield Wealth

23 Heol y Deri, Rhiwbina, Cardiff, CF14 6YF

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