Your life. Your goals.

Let's talk about you

Our advice is unique to you and your circumstances.

Where are you on your journey?

You might be newly retired and ready for a new adventure, or already retired and ready to make more of your money. You may want to help your kids through university or give your eldest a leg-up the property ladder. Provide care for a loved one or find a good place for the money you have inherited.

We're on a mission to offer people more access to the right financial help.

What's your story?

Watch Christine's Story

Christine has been a teacher all her life and has loved helping young people throughout her career. When she retired and received a lump sum, she wasn’t sure what to do with it. She’d never had so much money before. Christine wanted financial independence and guidance, and with the help of our financial planning and advice service, she now feels more secure and ready to enjoy her retirement.

Got a question? Give us a call.

0800 731 5342

Alternatively you can request a call back or chat to us online with webchat.

Here are some scenarios we've created based on things our customers ask us about.

Retirement

Andrew's story: "I don’t know what it was about hitting 50, but I suddenly started thinking about how we’d be able to do all the things we love when the income suddenly stops. Especially if the kids are still relying on us.

"Between us, we’ve got about £20,000 spread across fixed rate savings accounts and we both have ISAs too. I also contribute to my workplace pension and I’ve got another one I took out years ago that I've completely lost track of, so I do need to check my pension.

"It feels as though things are generally under control. There are a couple of loose ends I need to tie up and I’d like to know for sure if we’re saving enough for retirement. The mortgage will be paid off in a few years too, so we’ll have some extra money. We’ve been talking about investing it and just need some advice about how best to start."

Kids flying the nest

Jayne's story: "It’s all change in our house. It seems really quiet since Josh left for uni and there’s a lot less washing to do. We’ve still got Hannah at home, but she spends a lot of time at her boyfriend’s and they’re saving madly for a flat they’ve found. We’re thinking about helping her with the deposit, so we want to check how that will affect our savings and also how much support Josh will need while he’s living away. We still want to go on holiday, though. That’s really important. And have enough left over for emergencies and bills."

Do you have goals and ambitions you need to plan for? Try our Savings Goal Calculator to see how you might get there.

Inheritance

Sadie's story: "Grandad left me some money when he died and I thank him for it every day. It’s the first time I’ve had so much, and honestly, I didn’t know what to do with it at first. It seemed wasteful leaving it in my old easy access account because it was just sitting there doing nothing. Grandad would definitely have something to say about that.

"I looked online to see if I could find a better savings rate, but they were all pretty much the same. So I started looking into investing. It was a whole new world to me, but I can see the possibilities and I know Grandad would be really pleased I was doing something with the money he left."

Future plans

Mr and Mrs Prakash's story: "We’ve always been careful savers since we got married and hope we’ve done a good job passing those habits on to our three children. I suppose we’ll find out next year when our oldest son starts university and the phone calls start saying he’s run out of money!

"We’ve got two elderly parents at home too. That’s why it’s important for us to make sure there’s enough in the kitty to keep us all going for the long term. We also travel abroad fairly regularly to see family, which can be expensive, especially if we all go together.

"Over the years we’ve pooled whatever’s left over into a combination of easy access, bonds, ISAs and investments. Right now we have around £50,000 in savings and another £200,000 in pensions. We like to keep up to date with what’s happening in the markets and use a financial advice service to review our investments at least twice a year."

Do you wonder whether your current planning will leave enough in the kitty? Our Savings Goal Calculator might help.

Our recommendations are likely to include stock market-linked investments. These aren’t like building society savings accounts, as your capital is at risk and you may get back less than you invest. The value of your investments and any income from them may fall as well as rise. The FCA does not regulate most forms of Inheritance tax planning.

Get in touch

Request a call back

We'll call you back at a suitable time to chat through how we might be able to help you.

Phone

A free initial consultation to understand your goals and see if financial advice could be right for you.

Version Info: