Investment can be divided into several categories:-

	Priority Investments such as house purchase and car purchase.
	Essential planning investments such as pensions, major purchases, education and providing for emergencies. Wealth creation by investment of disposable income or other free assets.
	Development of free assets with the intention of either permanent growth or to provide a source of income.
	Long term care planning and funding of care home costs.
	Inheritance Tax Planning with the intention of mitigating any inheritance tax liability.

In each case the individual attitudes to risk, family circumstances and final objectives have to be discussed and understood to provide a sound foundation for any advice tendered.