Just starting out


You’ve finished your studies and are ready to enter the world of work and the financial independence that comes with it. You may have a definite plan for the future or no idea what you want from life. Either way it can be really tempting to make the most of today as it might feel like you have forever to start making plans. However, when it comes to financial planning, there really is no time like the present!

Things to consider

At moment probably the most valuable asset you have is your ability to work and earn money, anything you want to do in the future will likely depend on this continuing. An adviser can help you look at protecting your health and income to make sure that unexpected life events can’t derail your hopes for the future (whether you know what they are or not!)

Now is a good time to start to save for emergencies, most advisers will recommend you keep between three and six month’s income accessible just in case. Building up this emergency fund will mean you have something to fall back on, but will also help you get into the saving habit and help you to get used to not spending everything you earn. Why not have a look at our Budget Planner to help you to see what you spend your money on?

When people are starting out they often think they have forever to plan for your retirement, however pension contributions made in your twenties have much more time to grow than those made later in life so it is never too early to start.

Choosing to think about your overall financial plan now, and finding the perfect adviser to help you achieve it, will have a positive impact your future.


You might want to consider a professional who advises on some or all of the following product areas: Investment, Insurance, Pension and/or Protection.