What’s on your mind since becoming a parent?

Buying your first home — or your next one — starts with smart saving. We’ll guide you through your options, from Lifetime ISAs to mortgage planning, so you can get your deposit together and feel confident about your next steps.

The value of investments can fall as well as rise and you may not get back the amount originally invested.

What’s on your mind since becoming a parent?

Are we saving enough for the future?

It’s hard to balance today’s costs with long-term goals like education and home upgrades.

What if something happened to one of us?

Life cover, wills, and protection policies aren’t fun to think about — but they’re so important now.

Can we afford childcare or reduce our work hours?

Juggling income, parental leave, and nursery costs can be overwhelming without a plan.

Raising a family comes with more responsibilities — and more need for a clear financial plan.

We’ll help you:

  • Rework your household budget to include new family expenses like nappies, nursery fees, and baby gear.

  • Review life insurance, critical illness, and income protection so your family is covered if something unexpected happens.

  • Set up or review your will — especially important when you have dependents.

  • Explore savings options for your children, including Junior ISAs, trust funds, or regular savings plans.

  • Understand any benefits or tax breaks you might be eligible for as parents.

  • Plan for school fees, housing needs, or reducing work hours without jeopardising long-term goals.

Even if things feel tight now, a strong foundation today means fewer financial worries tomorrow.— Quote Source

Planning ahead gives you and your children stability

Do we need life insurance now that we have children?

Yes — it ensures your family is protected financially if one of you passes away.

Should we make a will?

Absolutely. A will lets you decide who would care for your children and how your assets are passed on.

How much should we save for our children?

Even small, regular amounts into a Junior ISA can grow significantly over time — and the sooner you start, the better.

Are there government benefits we might be missing?

Possibly. Child Benefit, Tax-Free Childcare, and Universal Credit adjustments can make a big difference.

Step 1.

Speak to a family-focused adviser
We’ll talk through your goals, worries, and opportunities.

Step 2.

Understand your risks and options
From budgeting to insurance, we’ll help you see where protection or planning is needed.

Step 3.

Create your family’s financial plan
We’ll help you build something sustainable — even on a tight budget.

Step 4.

Stay flexible as life changes
As your children grow, so do your needs. We’ll review and adjust your plan regularly.

The value of investments can fall as well as rise and you may not get back the amount originally invested.