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.

Retirement tips for the under 50s

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.

Under 50s pension tips

Transfer your pensions

It's easy to lose track of different pensions pots. Consolidating your pensions and bringing them together can make them easy to manage, and save you time and charges.

Show me how

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 the pension experts at Scottish Widows.

Taking on your futureOpens in a new tab

The pension gender gap

In 2021 the average pension gap between men and women was £100k. Find out how the pension experts at Scottish Widows are working to close it.

Source: Scottish Widows Women & Retirement Report 2021.

Closing the gapThis is a Scottish Widows link - Opens in a new tab

Pensions basics

Watch the pensions basics videos for handy tips to help. You can plan for retirement.

Courtesy of the pension experts at Scottish Widows.

Watch nowOpens in a new tab

Pension Calculators & Tools

Calculate and compare your pension options using these tools.

Courtesy of the pension experts at Scottish Widows.

Pension toolsOpens in a new tab

Meet your future self

Read up on how to make the most of your money in retirement.

Courtesy of the pension experts at Scottish Widows.

Get startedOpens in a new tab

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.

Get expert advice

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.

Ways to grow your savings

About ISAs

With an ISA (Individual Saving Account) you can save or invest tax efficiently.

Your ISA options

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.

Investment options

Boost your investment skills

Develop your investment skills with these easy-to-read articles.

Boost your skills

Start investing

Ready to start investing? Read the beginner’s guide to get you started in five simple steps.

Beginner’s guide to investing

Risk explained

Understanding risk makes you an informed investor. Read about the different types of risk.

More about risk

Costs and charges

Take a look at our investment charges and see how we compare.

Compare now

What kind of investor are you?

Take the interactive quiz to find out what type of investor you are.

Start the quiz

Research the market

Our research centre has the latest market news and more.

Research tools

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.

First-time buyer guide

Mortgage calculator

See how much you could borrow and what your monthly repayments could be.

Calculate your mortgage

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.

Pension advice

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.

Get expert advice

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.

Book an appointment

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.