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Independence at last and an income to dispose of. No matter how much money you earn in the future, there will always be the capacity to spend it. But it is likely that some quite major costs lie ahead. The new car, the first house, marriage, children, etc.

A considered now could save a lot of pain and disappointment later on.

Retirement may seem a long way off, but the right choice now will give you peace of mind when that time comes.

Fiona Gray Financial Planning Limited is an Appointed Representaive of Caliber Financial Associates Limited which is authorised and regulated by the Financial Services Authority (http://www.fsa.gov.uk/register/home.do). FSA Registration No: 211875

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