Your journey towards financial security

Knowing that your money is in a good place, and that you’ve laid down plans to prepare for whatever life throws at you, can be a great feeling. A real weight off your shoulders.

Financial security means having the finances to cover emergencies and to know you’ve got plans in place for your future financial goals.

Mark Butterworth

When you are financially secure, your stress levels go down, leaving you free to focus on the truly important things in life. Managing your money better might take time and mastering it will take commitment on your part, but it’s certainly worth it in the long run.

Mark Butterworth, Head of Financial Advice Planning

But what steps do you need to take to achieve financial security?

Creating a budget is a great place to start

The first step is all about knowing what your assets and liabilities are, as well as how your income compares to your expenses. You should have enough income to cover your outgoings and creating a budget can help you see things clearly.

Your budget should address both your current needs and your long-term goals. And, by seeing everything in black and white, you could even decide to cut back on certain things and in turn boost your disposable income.

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Start expecting the unexpected

The pandemic took us all by surprise last year, and it really did highlight how the unexpected can happen at any time. Being prepared for when times are tough will take a bit of groundwork, but it is achievable with a little forward planning.

Having an emergency fund can help you deal with those surprises, without potentially getting into debt. Emergency funds are a vital part of any healthy personal finance plan and can be a great way to feel more financially secure.

Saving for the future

Staying motivated to save for future needs is something we can all struggle with, especially when we all enjoy a treat now and then.

So, consider what you’d like to save for, set a target for it and hold that in mind, it could just help motivate you to save that bit more each month. Perhaps a new car, a new home, your retirement… the possibilities are endless.

Protecting what you have

No one likes to think about the worst-case scenario, but the truth is none of us know what’s around the corner. That’s why it’s a good idea to have protection in place.

Think about what you would do if you experienced a change in situation and perhaps how loved ones could be financially supported if you were no longer around.

There’s a wide range of income protection, critical illness, life insurance and legacy products available to help. These are designed to provide support if your circumstances were to alter or if something unfortunate were to happen.

At Skipton we offer a range of insurance and legacy planning products and we can help guide you through your options.

Expert financial advice from Skipton could help

The thought of getting financial advice to plan your future might be reassuring. Or it might be something you haven’t even thought about. But if a financial adviser can potentially help you on the path to achieving financial security, then could it be worth considering?

In fact, research for the Financial Conduct Authority (FCA) has recently stated there are 15.6 million UK adults who might need expert help when it comes to their finances but that only 50% of these people have received support in last 12 months.*

*https://www.fca.org.uk/publication/research/ignition-house-consumer-research-report.pdf


A Skipton Financial adviser can walk through your financial situation and use their expertise to provide suitable recommendations. There is no one size fits all approach to financial advice, the advice you receive is always tailored to you and your life.

Mark Butterworth, Head of Financial Advice Planning

Financial advice at a time and place to suit you

At Skipton we offer personalised financial advice, at a pace that suits you. We take the time to understand your circumstances and goals, and your attitude to risk, to offer personalised recommendations – with no pressure to act.

Best of all, you don’t even need to leave the house to plan your future with us. We offer appointments over the phone – or via our award-winning and easy to use video service- Skipton Link.

Our Video Appointment service

Skipton Link gives you the opportunity to have face-to-face appointments from the comfort of your own home, where you can discuss various financial options available to you. All you need is a computer, laptop or tablet with access to the internet to get started.


It’s so easy to schedule a Skipton Link meeting. And the video technology is such that you can exchange documents and see each other on screen. Meeting by video is much more convenient from our point of view.

Dr Alison Keidan and Dr Simon Cooper had their first Skipton Link video appointment last year.

Important information

Our recommendations are likely to include stock market-based investments. These are not like building society savings accounts as your capital is at risk and you may get back less than you invested. The value of your investments and any income from them may fall as well as rise.


Get in touch and get started

For more information on our service and to find out whether you could benefit from financial advice, call our team today.

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