Education is a priority. Giving children the best possible education is the number one priority. To do so an increasing number of people turn to the independent sector. However in this sector the cost of primary and secondary education from the age of 5 (or younger) to 18 can often exceed £125,000 per child. (That excludes any subsequent financial support provided for tertiary education). In a timescale of 13 years or more your personal circumstances can change considerably, particularly in today's more volatile employment and economic environment. However well prepared you may be, however carefully you budget, there may be times when you have to rely on savings or borrowing to see you through (even so it's still - a fact that four out of five people pay school fees entirely out of income and have no practical plans in place to meet future educational cost commitments). Planning for the cost of education should also be a priority. The plans and advice available through our service aim to allow as many children as possible to enjoy the benefits of independent education. As a programme of comprehensive financial management, our panel of specialist School Fee Planning experts offer you complete peace of mind in the knowledge that money is available to meet school fees as and when required. Our service provides you with carefully developed plans and expert guidance to show you how you can: Significantly reduce your school fee outlay and manage commitments per term more easily Benefit from considerable flexibility as plans cater for a wide variety of changing circumstances Consider the cost of providing support throughout tertiary education Increase your disposable income Have plans tailor-made to your individual needs. Many different ways to plan, and to save. They will also show you the different ways to plan most effectively covering tax planning, forward planning, budget planning and capital planning and how they can all contribute to greater peace of mind and a more comfortable long-term financial situation. Experience, expertise and best possible advice Our team consists of Independent Financial Advisers, all of whom are individually registered with the Financial Services Authority (FSA), the stringent industry regulatory body. They are legally obliged to represent your interests and offer you only the highest possible standards of care when advising you. Your own Personal Adviser will put all their experience and expertise at your disposal. They will take account of your income, your investments, your liabilities and your insurances all in confidence, of course. They will also look at other possible financial resources such as pension plans. Tax planning There is little argument about trying to get the maximum possible contribution from the tax man. Through our service you will be shown tax efficient arrangements which can reduce monthly outlay considerably. Forward planning Planning well in advance should ensure you have the financial resources to meet fees, throughout a child's school life, without the need to dig into existing savings. Budget planning Few families make adequate advanced provision for school fees. Through our service we will advise you on the most suitable plans which will not only provide the cash you need once the payments start but which can also save you money every month. We may also be able to arrange funds to cover fee payments should you suffer a shortfall at any time. Capital planning For most of us capital takes time to accumulate and, as a result, protecting it becomes important to financial peace of mind. Our panel of IFAs can advise you on the most effective methods of investing capital, ways which will make a considerable contribution to school fees.