The 3 Money Mistakes That Cost Families After 55

And how to avoid regret, reduce tax and retire with confidence

Clarity today. Security tomorrow.

Freedom to live.

What do you get?

  • The 3 most common money mistakes smart, successful families make after 55

  • Why these mistakes quietly cost more than people realise — and how to avoid them

  • Practical, plain-English strategies to protect your income, assets, and loved ones

  • Key questions to ask yourself before making big financial decisions

  • A clear next step to start simplifying your retirement and legacy plan

  • BONUS: The “What If” Guide — a simple checklist to keep your family prepared if the unexpected happens

Bringing Your Wealth and Legacy Together

Wealth Transfer Specialists bridge the gap between financial advice and legal planning. Where traditional advisers focus on investments and solicitors focus on documents, we bring it all together. Simplifying your wealth, protecting your family, and helping you pass it on without stress or regret.

We combine whole‑of‑market financial planning with estate and legacy expertise, working seamlessly with our trusted solicitors when legal support is needed. The result is clear, joined‑up guidance that helps you enjoy life now while securing the legacy you want to leave

Clarity today. Security tomorrow. Freedom to live.

Retirement Planning | Wealth Transfer | Peace Of Mind

Who am I?

I’m Kyle. I help successful families simplify their wealth, retire on their terms, and pass it on with confidence.

Retirement isn’t just the end of work, it’s your chance to live with clarity, purpose, and peace of mind.

Before this, I served eight years as a Royal Marine, then six years in corporate financial advice. I chose a different path: one where advice is personal, not product‑led.

Where you’re not passed from pillar to post. And where every conversation starts with the life you want, not what the industry wants to sell.

Today, I work with families who want to cut through complexity, protect their loved ones, and leave nothing to chance.

No jargon. No pressure.


Just a clear process, honest guidance, and the space to make well‑informed decisions, with someone who’s in it for the long run, not the quick win..

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Harvest Associates Ltd is authorised and regulated by the Financial Conduct Authority.