The Financial Journey
At Baggette + Co Wealth Management, we believe great financial planning doesn’t start with a product. It begins with a conversation about your life, your goals, and what really matters to you.
Life rarely stands still. It’s a dynamic and evolving journey, shaped by milestones, challenges, aspirations, and the choices you make along the way. We call this journey The Financial Journey – and it’s at the heart of our client-first approach.
Wherever you are on that path, our experienced, genuinely independent financial advisers are here to help. Whether you’re building your career, juggling family life, preparing for retirement or thinking about your legacy, we’ll give you clear, tailored advice that moves with you.
From retirement planning and pension advice to investment strategies, cashflow modelling and tax-efficient wealth management, we’ll help you feel informed, supported, and in control – now and in the years to come.
As a Chartered firm of Independent Financial Advisers based in Poole, we’re proud to support clients across Dorset and Hampshire with honest, joined-up financial planning that puts people first.
Introducing the Financial Journey
The Five Stages of The Financial Journey
Life is full of transitions – starting a family, changing careers, and preparing for retirement. Each one brings new opportunities and new challenges.
That’s why financial planning shouldn’t be a one-off event. It should be a relationship that grows with you, helping you make confident decisions, adapt when life changes, and feel clear about what’s next.
At Baggette + Co, we’ve shaped our entire approach around what we call The Financial Journey – five key stages that reflect the evolving nature of your life and finances.
Wherever you are, we’re here to help you plan ahead with clarity and purpose.
01
02
03
04
05
Early Investor
You’re earning your own money and starting to take charge of your financial future. That might mean saving for a first home, learning how to budget, or navigating your first job offer. It can be hard to know where to start, especially with so much financial jargon around.
We help you build a strong foundation with good habits, smart decisions, and clear advice from an independent financial adviser who speaks your language.
This is where long-term wealth begins.
Accumulation
You’re growing – your career, your family, your responsibilities. Life is busy and full of decisions: saving for your children’s future, paying off a mortgage, building your retirement fund, maybe even growing a business.
Financial planning at this stage is all about priorities. We help you stay focused, make the most of what you earn, and feel more in control – even when life is moving fast.
With the right wealth management strategies, this can be a time of real financial progress.
Preparation
You’re starting to look ahead – not just to retirement, but to what you want life to feel like.
This is where the big questions start to surface: Will I have enough money in retirement? How do I take money from my pension tax-efficiently? What does the next chapter in life really look like?
This is where calm, experienced guidance makes all the difference. Our independent financial advisers work closely with you to build a clear plan – one that supports your lifestyle goals and gives you confidence for the road ahead.
Financial planning here isn’t just practical – it’s emotional, too. And we understand both.
Early Retirement
You’ve stepped back from full-time work, or you’re in the process of doing so. Retirement looks different for everyone – it might mean slowing down gradually, starting something new, or simply enjoying the freedom you’ve earned.
We help you turn your pension and investments into a sustainable, reliable income. And just as importantly, we give you the reassurance to enjoy it, without constantly worrying about whether it’ll last.
This is where smart pension planning and a flexible withdrawal strategy truly shine.
Late Retirement
Your priorities shift again, towards simplicity, family, and peace of mind. You might be thinking about inheritance tax planning, gifting to loved ones, or preparing for future care needs. These are big conversations, and they deserve to be handled with sensitivity and clarity.
We work closely with you – and where needed, your family – to make sure your wishes are respected, your legacy is protected, and you continue to feel supported in the years ahead.
This is where dignified, personalised financial advice matters most.
Why Clients Choose Baggette + Co Wealth Management.
At Baggette + Co Wealth Management, we do things differently.
We’re a team of genuinely independent financial advisers – not tied to any providers or products, and able to search the whole of the market on your behalf – which means our advice is always based on what’s best for you, and you alone.
Clear, joined-up financial planning that fits your life and your goals.
Our clients choose us because they want more than just investment advice or pension paperwork. They want a trusted partner. Someone who can help them make informed decisions, plan for the future, and feel confident through every stage of life.
Whether you’re looking for support with retirement planning, cashflow forecasting, tax-efficient wealth management or simply want to understand your financial options more clearly, we’re here for you – calm, collaborative, and fully committed.
We’re proud to be a Chartered firm of Independent Financial Advisers based in Poole and Bournemouth, supporting individuals, families and business owners across Dorset, Hampshire and the wider region.
When we say we’re with you for the journey, we mean it.
Explore Insights Tailored to Your Journey
Financial planning isn’t something you set and forget. It grows with you, just like your life. That’s why we’ve created a series of practical, jargon-free insights, stories and videos to support each stage of your Financial Journey.
Whether you’re building wealth, preparing for retirement or thinking about your legacy, you’ll find guidance that speaks to where you are now – and where you want to go next:
Early Investor
Start your financial journey with confidence.
Accumulation
Grow your wealth and protect what matters.
Preparation
Plan for retirement on your terms and with peace of mind.
Early Retirement
Make your money last, and your lifestyle count.
Late Retirement
Secure your legacy and plan for later life.
Ready to Talk About Your Financial Journey?
Whether you know exactly what you need or just want to make sense of where you stand, we’re here to help.
Our independent financial advisers offer thoughtful, personalised support with everything from retirement planning and pension advice to wealth management, cashflow planning and inheritance strategies.
We’re proud to support clients across Bournemouth, Poole and the wider Dorset and Hampshire region – and we’d love to help you take the next step with clarity and confidence.
Let’s have a conversation – no obligation, no pressure.
Just straightforward, independent financial advice from a team who’ll meet you where you are.
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