Look at any Financial Services website and the ‘stock’ photos of a silver haired couple surrounded by dating grandchildren is a common cliché. And, like any cliché, for many that image is true.

But there are many others who – for whatever reason – do not fit that model.

As our tax system is often based on a ‘Married couple’ model, that can present challenges. A dependency on your own earnings ability. Inheritance Tax planning. How wills are written.

We are lucky enough to have significant numbers of these ‘Successful Singles’, and like to think we understand the slightly different pressures and concerns that can arise. In particular, the need for flexibility and careful ‘what if’ scenarios – using Cashflow software – are even more important than with the wider family groups we deal with.

As ever, the key is to focus on the client, rather than on the money!