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Our priorities and goals can change as we go through life, as can our circumstances.
Someone in their twenties and thirties will have different needs to someone approaching retirement.
This is a time where financial planning is most likely a distant thought. In the early years of adulthood, money may be short with student loans to pay off. It may feel like money is stretched and saving for your future is unlikely to be a priority.
During this life stage, you may have considered when you can stop working and have made inroads in paying off your mortgage. Your children may also be older and thinking of leaving home.
Once you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle, so you need to make sure they're right.
Once you are retired (or semi-retired, as phased retirement is becoming more popular), your children will (hopefully) no longer be financially dependent on you. You may even find yourself in a position where you want to help them out with their own mortgages and financial commitments.
Later life financial planning can begin at any age. You may now be working less or not at all, want to spend time enjoying your hard-earned pension money, or need extra healthcare as you get older.