“Planning your financial future does not need to be an overwhelming task. Your financial needs evolve during your lifetime and expert planning and advice are key to planning your short and long-term goals,” said Matthew Farrugia, financial adviser at BOV Wealth Management during a seminar organised by the Malta Union of Midwives and Nurses (MUMN).

“Your financial planning is a delicate balance between your assets and income against your expenditure and liabilities. One main concern is long-term – planning for your retirement, but that does not make shorter goals, such as saving for a down payment for a house or buying a car any less challenging,’ Mr Farrugia added. “One has to also account for extraordinary expenses, such as a wedding, or medical expenses.”

Financial advisers leverage decades of experience in the world of investments, savings and financial planning to offer the best solutions tailored around one’s risk appetite combined with a hands-off or hands-on approach with minimal logistic demands.

Bank of Valletta’s Wealth Management Division offers discretionary portfolio services, advisory investment services and execution-only trading, allowing clients to spend their time on what they feel is most important in their lives – while safe in the knowledge that the fruits of their labour are in good hands.