The Pre Retirement Journey

Whether you are just starting out, establishing your career or working towards retirement, our goal is to understand where you want to get to and help you build a roadmap that gets you there. 

We offer a free initial discovery meeting

"I chose to become a Zen client after discovering Patrick's views and approach to life and wealth planning.  I feel that Patrick is interested in me and my life first and foremost.  The way he works enables me to see the big picture and to make lifestyle and financial decisions based on proper analysis of my options and the impact of my choices."

Hazel H, Headhunter

Post Education and your Early Career Years

We all need to start somewhere, and this is when we are all at the biggest risk of making bad financial decisions. 


You are often at risk of spending more than you are earning, we can help guide you onto the right road.


Typical Life Stage Goals:


  • Paying for Education

  • Buying a car or furnishing your first home

  • Building your savings

  • Paying off debt

  • Building a good credit history 

Family and Career Building Years

As we move from our Post Education years and into the next phase of our lives, we each face different challenges, depending on our life choices. 


Your finances may have settled down, but we usually find we have increasing responsibilities.  


So whether the responsibilities extend to managing your own business, providing security for your family or extending your career we are here to guide you. 

Typical Life Stage Goals:

  • Reducing Debt

  • Buying/Moving House

  • Reducing Taxes

  • Growing Wealth

  • Pension Planning

  • Preparing a Will

The Pre-Retirement Years

Your pre-retirement years are likely to see your expenses start to fall and your wealth start to grow.  If you have children, they are likely starting their own financial journey.



You will be starting to look towards retirement, paying off your debts and maybe helping your children start off on the best footing.


Typical Life Stage Goals:


  • Paying off a Mortgage

  • Reducing Taxes

  • Growing Retirement Wealth

  • Starting/ Selling a business

  • Planning for retirement

  • Helping children in further education




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Upper Market Street


SO50 9FD

Tel:  023 80 983 722

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Registered in the UK, our registered address is Alexander House, James Street West, Bath, BA1 2BT, Number OC376383

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