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What if?

Updated 03 December 2020

2min read

Nick Green
Financial Journalist

As part of our GetAdvised campaign, we’re looking at ways professional advice can help you evaluate, develop and implement a solid plan to support your future.

Good news! You woke up this morning. But what if you hadn’t? It’s a scary idea, but Scott Gallacher insists answering these uneasy questions will give you peace of mind.


Many of us are too busy working hard for our families and for our futures to stop for a moment and think “What If?”

As a chartered financial planner it’s my job to help you think about the what ifs:

What if I didn’t wake up this morning?

  • Would my family have enough money?
  • Who would care for my children?
  • Do I have a will?
  • Can my family find my will easily?
  • What would happen to them?
  • What would happen to my business?

“Financial planning isn’t just about sorting out this year’s ISA, these are merely tools to help you achieve your lifestyle”

What if I don’t have enough money when I get to retirement?

  • What is enough?
  •  How much do I need to be saving?
  • What will happen to my lifestyle if I don’t get there?
  • What will this mean to me and my family?

 What if I already have enough?

  • Why I am still working?
  • Could I stop work and start living my dreams now?
  • Am I certain I won’t run out of money?
  • Can I give some of my money away?

Many people think that financial planning is about sorting out some life assurance, deciding which pension is best, or choosing this year’s ISA.  But these are merely the financial tools needed to help you achieve and maintain yours and your family’s lifestyle.

The most important part of financial planning is working with you to answer these “what if” questions because that’s what really matters, not which ISA you use.

If you to want work with a financial planner to find the answers to your own ‘what if’ questions then don’t waste time, contact a financial planner today because tomorrow could be too late.

About the author

Scott Gallacher is APFS qualified, a Chartered Financial Planner and the winner of the 2013 unbiased.co.uk ‘Judges Award Recognising Outstanding Contribution’ and praised for his “knack of making the complicated understandable”.


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About the author
Nick Green is a financial journalist writing for Unbiased.co.uk, the site that has helped over 10 million people find financial, business and legal advice. Nick has been writing professionally on money and business topics for over 15 years, and has previously written for leading accountancy firms PKF and BDO.