When choosing the right investments and the tax wrappers to hold them in, you and your financial adviser need to consider all the other factors that could affect your long-term strategy.
These could include family changes, the cost of education, the value of your property, how much you might be earning in the future and your retirement needs. During the course of your life there will be unforeseeable events, not to mention those that are inevitable, such as death and taxes. That’s why it’s never too early to begin planning for your future.