So we know where you want to get to and what savings/assets you have available to fulfil your dreams but are you heading in the right direction? Have you got enough saved? Are your existing plans the right ones to help you reach your desired lifestyle? Crucially, what could cost you your financial security and independence and what do we need to protect you from? Money is not like love…….it is not better to have had and to have lost than to never have had at all.