To many financial advisers investments are stocks and shares, OEICS/unit trusts, ISAs or cash in the bank but they can be much more.

Sometimes investment can mean investing in you. If you need to do a course to improve your earning potential then this is often money well spent. Starting a new business venture also requires a lot of investment but can pay off in the long term as it generates the extra income you need to reach your goals.

All this requires money and how you save this money depends very much on when you are going to need it. At Shoal we can look at the best way for you to plan your expenditure to achieve your goals.