Financial Planning Centre
It’s never too early to start planning the future you want. The Financial Planning
Centre brings all your options into one place – so it’s easy to find what you need.
Start planning
Savings, home-buying, pensions and more. Expand the section below to find what you need.
Your retirement
Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.
Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, and when you decide to draw down on this. Remember, the value of your pensions can go up as well as down, and can fall below the amount(s) paid in.
Plan ahead
It’s never too early to start putting money away in a pension pot. Start planning your goals for retirement.
Transfer your pensions
Bringing your pensions together can make them easy to manage – and save you time and money.
Your future plans
Pension guidance and resources provided by Scottish Widows with over 200 years’ experience in helping people prepare for their later years.
Courtesy of our pension experts at Scottish Widows.
Closing the gender pension gap
Read about the difference between women and men’s retirement savings, and what you can do about it.
Courtesy of our pension experts at Scottish Widows.
Pensions basics
Watch the pensions basics videos for handy tips to help. You can plan for retirement.
Courtesy of our pension experts at Scottish Widows.
Pension Calculators & Tools
Calculate and compare your pension options using these tools.
Courtesy of our pension experts at Scottish Widows.
Meet your future self
Read up on how to make the most of your money in retirement.
Courtesy of our pension experts at Scottish Widows.
COVID-19 and your pension
Worried about the impact of coronavirus on your pension?
Retirement advice
Get expert advice on your pension from our wealth management partners at Schroders Personal Wealth.
They can help with a financial plan tailored to you and your needs
Eligibility criteria applies. Fees and charges may apply.
Savings and Investments
Savings accounts are a low-risk and accessible way to look after your money. If you’re looking to grow some of your money faster, you might consider investing.
Remember: The value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.
Savings tips
Top tips for saving money. Grow your savings and discover ideas to help you save more.
About ISAs
With an ISA (Individual Saving Account) you can save or invest tax efficiently.
Ways to invest
Manage your own portfolio or let us do it for you. We have a range of options to suit all levels of experience.
Boost your investment skills
Develop your investment skills with these easy-to-read articles.
Start investing
Ready to start investing? Read the beginner’s guide to get you started in five simple steps.
Risk explained
Understanding risk makes you an informed investor. Read about the different types of risk.
What kind of investor are you?
Take the interactive quiz to find out what type of investor you are.
Research the market
Our research centre has the latest market news and more.
Home and Mortgages
Home has never been so important. Whether you’re renting, want to buy a property or make some improvements, we’re here to help.
You could lose your home if you don't keep up with mortgage repayments.
Getting your first mortgage
Thinking about buying your first home? Read our first-time buyer guide to help you with your mortgage.
Mortgage calculator
See how much you could borrow and what your monthly repayments could be.
Wealth Management
Expert advice for you, every step of the way. Wealth management and financial advice from our partners at Schroders Personal Wealth.
Pension planning
Plan for your later years. Access expert advice to make the most of your pension.
Invest in your future
Schroders Personal Wealth has the expertise to help you grow your wealth, even in a volatile market with low interest rates.
How to talk to an expert
Speak to a Schroders Personal Wealth Adviser, from the comfort of your own home. It’s easy to do via our video online chat or by phone. Book your free, no obligation appointment today.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.