Sanna Garton

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%.

It is my firm belief that wealth management is something that all individuals and businesses should have access to. Too often I see barriers to entry to financial freedom - whether it's lack of confidence, experience or guidance. My aim is to detangle the mires of financial complexity, and bring understandable and accessible financial freedom to everyone. Whether starting out on your investment journey, or already an experienced investor, looking for a new approach, I offer a no-nonsense and jargon-free service with your needs put first and foremost.

My approach to financial planning has been shaped over my previous career as a bond trader in London and New York, my experience in teaching and project management, and spending time with people from all walks of life and with a wide range of financial needs. By taking the time to listen and get to know my clients, I am able to understand their objectives, and help navigate a path forwards. Working together, we build a bespoke plan tailored to your needs, taking your preferences, goals and wishes into account at every step. This could equally be a review of existing provisions, from ISAs to pensions, or a first step on the investment ladder, all whilst making the most of available tax efficiencies, and budgeting or cash flow modelling.

I focus on wealth and investment management, helping clients grow and safeguard their assets. By crafting personalised investment strategies, I ensure each plan aligns with the client’s unique risk tolerance, financial goals, and time horizon. My approach is built on thorough analysis and a deep understanding of market dynamics, allowing me to provide guidance through both prosperous and challenging economic times. Pension planning is also a core part of my expertise. Recognising the importance of financial security in retirement, I collaborate closely with clients to create strategies that maximise pension contributions while optimising tax efficiency. Whether just beginning or approaching the end of your career, I offer tailored advice to help ensure a secure and stress-free retirement.

Beyond wealth management and pensions, I can also assist with savings strategies and protection plans. I help establish solid financial safety nets through well-designed savings plans that address both short-term and long-term goals. With my knowledge of protection strategies such as life insurance, critical illness cover, and general insurance , I can ensure you and your assets are shielded from life's unexpected challenges.

I live with my husband and dog in the beautiful countryside of South Devon, and love spending time with them on Dartmoor, playing music with my folk performance group, or at home gardening and doing DIY.