About you / In your 20s
Build strong financial foundations for the future
Your 20s are not about having everything figured out.
They are about creating habits and making decisions that give your future self more options.
Life-stage routeMortgages, protection, pensions and investing may start connecting.
Common focus
Foundations and first goals
Advice areas
Mortgage, protection
Planning need
Investments and pensions
Risk
Starting with no structure
The planning you need in your 20s
Building the foundations that make everything else easier.
For many people, their 20s involve:
• Starting a career
• Managing student debt
• Renting or saving for a first home
• Building savings
• Learning about investing
• Establishing financial independence
This decade is less about perfection and more about momentum.
A client may arrive with one question “can I buy my first home?”, “should I start investing?”, “does my pension matter yet?” but the answer may connect to several advice areas.
> Building an emergency fund
> Saving for a property deposit
> Understanding workplace pensions
> Creating good financial habits
> Beginning long-term investing
> Protecting your income
Mortgages
First home planning without guessing your way through it
Buying your first home is one of the biggest financial decisions you'll make. We help you understand the process, your options and how a mortgage fits into your wider financial future.
Mortgage advice →
A first home decision should fit the rest of your money.
Protection
Protecting your income before life becomes complicated
Your ability to earn is often your biggest asset. We help put protection in place so unexpected illness, injury or life events don't derail your plans.
Protection advice →
Protection is not fear-based. It is plan protection.
Building Financial Foundations
Creating good money habits that last decades
From budgeting and saving to understanding credit and financial priorities, we help you build strong foundations for future wealth.
Financial planning →
Investing for the Future
Giving your money more time to work for you
Small decisions made in your 20s can have a significant impact later in life. We help you understand how investing may support your long-term goals.
Investment planning →
Planning Around Your Goals
Financial planning that fits your life, not someone else's
Whether it's travel, career changes, starting a business or future family plans, we help create a financial strategy built around what's important to you.
Financial planning →
Planning needs
What may matter at this stage
Protecting income and family commitments
Start building financial confidence early
Financial planning is not about reaching a specific age. It is about making informed decisions at every stage of life.
Not sure what your financial age is?
Start with where life is now. The advice route can come next.