Times are a changing – take some time out to make sure your finances still match your lifestyle and needs.

Budget – Review your income and outgoings, particularly if your circumstances have changed.

Debt planning – Prioritise clearing any debt you have, including credit card balances or loans.

Get saving – Peace of mind can be gained from having a minimum of three to six months’ income as a buffer. If you were lucky enough to save in lockdown, channel some into a savings account.

Have backup – Protection policies such as income protection and life insurance offer an essential safety net. If you have policies in place, do they still offer the most suitable cover?

Think long-term – Don’t let short-term events divert you from future plans. Investing into a pension, no matter what age you are, is vital.

Take advice – We can help you see the bigger picture, weigh up your options and make a balanced plan for your individual needs.