Nick Broom

When is the right time to invest?

There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.

When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.

Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.

There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.

If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change

*Based on an annual average investment return of 5% and inflation at 3%.

I understand that life is full of surprises, and financial planning should be as unique as you are. That’s why I take the time to truly listen, get to know your aspirations, and create a partnership built on trust and transparency. My passion lies in helping people feel secure, confident, and empowered when it comes to their financial future.

My approach goes beyond just numbers - it’s about giving you the clarity and peace of mind to navigate life's twists and turns. Whether you’re planning for exciting milestones or preparing for the unexpected, I’m here to guide you every step of the way. Financial decisions don’t have to be daunting - I simplify the process, offer personalised strategies, and ensure you always feel supported.

I live in Lincoln with my partner, and when I’m not helping people build a strong financial future, you’ll find me outdoors, embracing adventure. Whether I’m out on the golf course (with mixed results!), tearing down trails on my mountain bike, or carving through fresh snow on my snowboard, I thrive on the thrill of nature and movement. I bring that same enthusiasm and energy into my work - helping you navigate your financial journey with confidence and excitement. No matter where you are in your journey, I’m committed to helping you make informed choices that align with your dreams and values.

Let’s work together to build a strong, secure financial future that gives you the freedom to live life on your terms.