Financial advice for people starting their career

Starting out

These are exciting times

You are starting out on your chosen career, moving into your own place, and enjoying your independence. The whole of your adult life lies ahead of you and, quite naturally, thoughts of financial planning are probably far from your mind. In fact you may not have much disposable income once you have paid the bills, with the little that is left over quickly disappearing on going out, holidays and a few treats.

Yet by taking a few simple steps now, you can put in place solid foundations for your financial future, which should make things easier financially as you progress through life.

Take the next step

Need help working out how to make the most of your money?
Call us on

08000 85 85 90

to book an appointment with one of our advisers. Or request an appointment online:

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Savings & investments

Paying even a small amount each month into a suitable savings account or fund can build up a reasonable nest-egg surprisingly quickly – just what you need to pay the deposit on your first property, or for the honeymoon of your dreams.

Talk to us to find out which funds suit your timescale and attitude to risk, and whether you should opt for an ISA, which can grow free of capital gains tax.

Pension contributions

Retirement may be the last thing on your mind, but the earlier you start building up your pension fund the better. Depending on your job, you may be part of a company pension scheme to which your employer contributes.

We can explain how this works. If you are not part of a corporate scheme we will explain how you can start your personal pension plan. Contributions benefit from tax relief, making them one of the most cost-effective ways of saving.

Protecting your lifestyle

How important is your income to you? How quickly would you be able to get another job if you were made redundant? What would you live on if you had an accident or fell seriously ill?

We can help you protect your income should the unexpected happen.

Mortgages & borrowings

Getting a mortgage is not as easy as it used to be. Lenders require sizeable deposits and have tightened their lending criteria.

We can help you work out how much you really can afford, talk you through the various mortgages available and ensure you are not paying more than necessary.

Are you paying to much for your mortgage? Our independent mortgage specialists may be able to find you a better deal.

What are your goals?

Here are the most common goals customers in their 20s and early 30s tell us they would like to achieve. What are yours?

Save enough for the deposit on my first property.
Pay for our honeymoon.
Pay off my student loan.

Talk to us – we can help you achieve them.