How good financial planning can cut through emotions and help you achieve your financial goals

We all have an emotional relationship to money. More than its intrinsic value, money means stability, control, and peace of mind for us and our loved ones.

At Logic we understand the importance of financial wellbeing – it’s one of the reasons we are so passionate about what we do.

Emotional connections to finances can make talking about money difficult, hinder our ability to make rational decisions, and prevent us from thinking about the things that really matter.

By focusing on your goals, concentrating on long-term financial wellbeing and using behavioural coaching, Logic can break through the emotion and put you back on track!

Negative emotions can affect our decision making

Biases affect our investment decisions

When you make an investment decision, you might think you are making a rational choice based on all available information. But human beings have in-built biases.

If you missed our recent guide – Behavioural biases, and how they affect your financial decisions – it is well worth catching up on.

You’ll see how everything from our parents’ attitudes to money to “rules of thumb” we take for granted affect our financial decisions, hindering us from achieving our goals.

Worry can lead to knee-jerk reactions

Between 20 and 30 March 2020, the Office for National Statistics confirms that 49.6% of us were suffering from “high anxiety”.

The report found that the odds of reporting high anxiety were 2.2 times greater for those with money worries and 1.7 times greater for those whose pension was being affected.

The pandemic has left many of us worried about our health, job security, and ability to pay the bills. Stress, fear, and uncertainty could all affect the financial decisions we make, often with long-term repercussions.

The consequences can be huge over the long-term

In November 2020, This is Money reported that the pandemic had led to 5.5 million workers reducing or stopping contributions into their workplace pension schemes.

It is a decision that might have been necessary at the time, but that could have a serious effect on financial wellbeing in the future. Thankfully, Logic can help.

Concentrating on what makes you happy can improve wellbeing and put you back in control

Financial planning is about more than the advice we give. The first questions we ask you won’t be about the size of your pension pot or your outstanding mortgage.

We want to know:

  • What is your life like now?
  • What makes you happy?
  • What matters most to you?
  • What do you want your life to be like in the future?
  • How can we help make that a reality?

Concentrating on what makes you happy now and focusing on your aspirations for the future, we can build a plan that sets out the path between the two.

With clear money goals in place – plus behavioural coaching and regular reviews to keep you on track – Logic’s team of planners can put you in control, giving you peace of mind and confidence in your future.

Behavioural coaching concentrates on the basics

Cashflow modelling

We can use cashflow modelling to help you map your incomings and outgoings.

Facing up to your finances – for good or bad – helps remove fear, reconnect you with your money, and give you back a sense of financial purpose.

Building plans

Once you understand your cashflow we can help you to focus on your long-term goals and put strategies in place to achieve them.

Thinking about your goals and knowing that you have a plan in place to make them a reality can help to overcome in-built biases and change your mindset.

Replacing feelings of stress, fear, and doubt with confidence and a sense of certainty could improve your emotional and financial wellbeing.

Seeing the financial results

Confidence in your financial future will help you stay focused on your long-term goals, and on achieving your desired financial results.

Logic will be alongside you throughout, making sure your plans remain on track and that your goals remain attainable, whatever the future brings.

Get in touch

At Logic Financial Services our team of chartered financial planners don’t just offer advice.

We can look after your money and your investments, but we want to help you reach your financial goals too, putting long-term plans in place aligned to your aspirations.

Money is an emotional topic and that can sometimes make logical decision making hard. We understand the importance of making the right financial decisions and can use our decades of experience to help make the decisions that are right for you.

If you would like help with your financial wellbeing, overcoming emotional biases or putting a plan in place that puts you back in control, please email us at or check with your adviser.