Building a solid financial future isn’t about sudden windfalls or chasing the latest trends for that matter. It’s about steady, well-considered decisions, made with clarity and purpose – Confident Financial Planning. Our team at True Advice helps individuals and families across the UK take control of their finances with practical, personalised support. You may be saving for something special, preparing for retirement, or simply aiming to feel more secure. Whatever your financial goals are, a well-crafted plan makes all the difference.
And the best time to make smart financial moves is right now, not someday in the hazy future.
Know Where You Stand
Before setting any financial goals, it’s important to take an honest look at your current position – warts and all. What do have coming in? What’s going out? What debts are weighing you down—and what assets are working in your favour?
This is like your financial health check. Once you’ve got the full picture, you’re in a much better position to plan your next steps, whatever your goals are, whether that’s clearing debt, growing savings, or investing for the future.
Put Purpose Behind Your Plans
It’s easy to let money slip through the cracks without a clear purpose. Giving every pound a job helps you stay intentional with your finances—whether that job is paying the bills, boosting your savings, or building long-term wealth.
Decide what you’re working towards. That might be buying a home, supporting your children through education, creating passive income, or simply reducing financial stress. Whatever your goals, break them into achievable targets and track your progress regularly. That way, you’re not just hoping that something will turn up, you’re actually building a future.
Spend with Intention
Budgets get a bad rap, but that doesn’t mean saying “no” to everything that’s fun in life; they’re more about saying “yes” to what really matters. Once you know where your money’s going, you can make deliberate choices, cut back on waste, and still enjoy life without guilt. Many people are surprised at what they’re spending once they take a good look at their outgoings.
Don’t be daunted by the idea. It doesn’t need to be complicated. Use tools or apps if that helps, and if you’re not one for spreadsheets, simply stick to pen and paper—what matters is consistency and honesty with yourself.
Create a Financial Safety Net
If the unexpected strikes, such as losing a job, an emergency repair, or a health issue, having an emergency fund can be a lifeline. Ideally, this should cover at least three months of essential expenses, but even if you don’t have this, a small buffer is better than none.
Treat saving as though it were a regular bill. Set up an automatic transfer into a separate account each month without drawing on it, and soon you’ll have a cushion that brings genuine peace of mind.
Grow Your Wealth with Purposeful Investing
Investing is one of the most powerful tools to build long-term financial strength, but it’s not about luck or timing the market. It’s about patience, diversification, and sticking to a strategy that suits your needs.
You don’t need to be an expert to start, you just need sensible, honest guidance you can trust. Whether you’re exploring ISAs, pensions, or other opportunities, we’ll help you make informed decisions that reflect your goals and your comfort with risk.
Make the Most of Tax-Efficient Options
Tax efficiency is a key piece of the financial puzzle. Tools like ISAs and pensions offer valuable opportunities to grow your money while keeping more of it in your pocket.
Every year, allowances reset, and once they’re gone, they’re gone. Making the most of them before the deadline doesn’t require major wealth, just a bit of planning. We can help you structure your savings and investments in a way that’s tailored to your own situation.
Retirement Planning That’s Right for You
Planning for retirement is more than simply numbers. What kind of lifestyle do you want? What do you want those years to look like? More time for travel, family, hobbies? Less stress about bills or unexpected costs?
The right approach will look different for everyone. We can help you assess your pensions, forecast your income, and explore options like drawdown, annuities, or continuing to invest. It’s not too early—or too late—to get started.
Protection: Because Life Happens
No one likes to imagine the worst, but planning for the unexpected is one of the most caring things you can do. Whether it’s covering your income if you’re too ill to work, ensuring your family is looked after, or preparing for serious illness, having the right protection in place is key.
Insurance isn’t about fear of the future—it’s about giving you freedom. Knowing that your finances won’t unravel when life takes a turn is incredibly empowering.
Planning for Later Life and Legacy
Having a Will, setting up a Lasting Power of Attorney, and making a plan for how your assets will be handled gives you control and clarity. It’s important to recognise that estate planning and long-term care aren’t just for “later”—they’re for right now.
If you want to pass on wealth – whether that’s to your children, grandchildren, or a cause you care about – there are ways to do it thoughtfully and tax-efficiently. And if care is needed down the line, having a financial plan in place helps avoid rushed decisions or financial strain on loved ones.
Let’s Talk About What Matters Most to You
Our team at True Advice doesn’t believe in a one-size-fits-all approach. Your goals, your values, and your circumstances are unique – there is only one you, so your financial plan should be, too.
If you’re ready to get clear on your finances, protect what matters, and grow with confidence, we’re here to help. No pressure. Just practical, honest advice, delivered with your best interests at heart.
Get in touch today—because the strongest financial futures are built on good conversations.
Regulatory Statements
Equity Release
Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.
Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.
Buy to Let Mortgages
Some Buy to Let Mortgages are not regulated by the FCA.
Mortgages
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Investments
All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.
Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.
True Advice Financial Services is a trading style of TA and SE Hollom Ltd. Which is an Appointed Representative of New Leaf Distribution Ltd. Which is authorised and regulated by the Financial Conduct Authority : Number 460421.
Registered Office : New Leaf Distribution Limited, 165 – 167 High Street, Rayleigh, Essex, SS6 7QA
His qualifications include the LIBF Level 3 Certificate in Regulated Equity Release, IFS Level 4 Diploma for Financial Advisers, and several other certifications. Tony prides himself on delivering professional, efficient, and thorough service, helping clients navigate financial challenges with confidence.
Outside of work, he enjoys traveling and exploring new places with his wife.
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