What is financial planning?

Put simply, financial planning is the process of looking at your finances, deciding what your financial goal is and setting out a plan to help get you there.

You may need to decide how much financial risk you’re willing to take. You may also need to consider your future financial position. But all this means is that your plan will be unique to you and will change as your financial situation changes.

Plan with confidence, at any stage of life

It’s never too early, or too late, to plan for your future.

Just starting out

Whether you are moving home or wanting to see the world, it’s good to have a plan. We’ve got tips and guidance to help you achieve your financial goals.

Start planning

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Managing your financial plan

Find the right balance between what’s important now and how you can plan for the future.

Managing your plan

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Planning for later life

It’s never too early to plan for your later life years. We have information to help you with your pension, your property, your investments and plan what you want to leave to loved ones.

Later life planning

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Talk to a financial planning expert

We can help you to make the most of your money. Specialist financial advisers can help you to build a safer financial future. Arrange a free, no obligation, initial consultation, where you are matched to a financial advisor. They’ll then build a financial plan that’s tailored to you.​

​​To be eligible, you’ll need to have, or could have in the next few months, at least £100,000 in sole annual income, or £100,000 spread across sole or joint savings, investments and personal pension(s), either with us or other financial companies.​

Wealth management

Schroders personal wealth

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.