Paul Vickers

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’m Paul Vickers, a financial adviser with a passion for helping individuals and families manage their wealth, plan for the future, and protect their financial well-being.

My areas of expertise include wealth and managing investments, pension planning, savings strategies, protection, and general insurance. My goal is to take the complexity out of financial planning and give my clients clarity and peace of mind. I help clients grow and protect their assets. I create personalised investment strategies that align with each client’s risk tolerance, time horizon, and financial goals. Whether a client is looking to build wealth over time or preserve their capital, I work diligently to ensure their investment portfolios are tailored to meet their needs.

My approach is rooted in sound analysis and a deep understanding of market trends, which enables me to guide clients through both favourable and challenging economic conditions. Pension planning is another key area of my practice. I understand how important it is for individuals to feel secure about their retirement, so I work closely with my clients to develop strategies that maximize their pension contributions while optimising tax efficiency. Whether they’re just starting out in their careers or approaching retirement, I offer tailored advice to help them achieve a comfortable and worry-free future.

In addition to wealth management and pension planning, I also provide guidance on savings strategies and protection. I help clients build financial safety nets through well-structured savings plans, ensuring they’re prepared for both short and long-term needs.

My expertise in protection strategies, including life insurance, critical illness cover, and general insurance, ensures that my clients and their assets are safeguarded against life’s uncertainties.

Outside of work I enjoy spending time with my family and playing sport-mainly cricket and hockey. The latter I have been fortunate enough to be selected for Wales masters and play indoor and outdoor world cups, travelling as far as Auckland in the process!