It is never too early to seek out practical financ...

It is never too early to seek out practical financial advice, particularly when it comes from a genuinely helpful team of local advisers who are neither associated (nor incentivised), to push any particular product or plan.
If you think that you can t afford sound professional advice from Julie and her team, think again, what you definitely can never afford is an amateur 3rd party opinion when it comes to your money!