When you’ve worked hard all your life, saved carefully and made smart financial decisions, it’s only natural to want reassurance that your money will end up in the right hands. Whether you’re planning for retirement, already enjoying it, or thinking ahead to the legacy you want to leave, taking the right steps now can offer lasting peace of mind.
This blog covers the key things you need to consider to make sure your money is properly managed, protected, and – crucially – passed on to the people and causes that matter most to you.
If you’re unsure where to begin, a quick conversation with one of our advisers can help bring everything into focus.
Why it matters
Financial planning isn’t just about building wealth. It’s also about making sure that your money goes exactly where you want it to. Without the right arrangements in place, your savings and assets could:
- Be delayed by probate
- Go to the wrong person due to outdated paperwork
- Cause conflict among loved ones
- Miss out on the protection or efficiency available through proper planning
Taking action now helps prevent these issues and puts you in full control of your future.
Already wondering whether your existing plans are up to date? We can review them with you and help you make any necessary updates.
Our promise to you: peace of mind and protection
We’re here to support you with honest advice, clear guidance and a focus on protecting what matters most: your financial security, your family and your intentions.
We follow strict regulatory standards, including:
- The Financial Conduct Authority (FCA) – ensuring transparency and fairness
- The Financial Services Compensation Scheme (FSCS) – for extra protection The Data Protection Act (DPA) – safeguarding your information
- The Financial Ombudsman Service – offering independent resolution if needed
We also comply with all relevant UK laws and provide tailored support if you live in Scotland or Northern Ireland, where property, power of attorney, or trust laws may differ.
Inheritance Tax, Trusts and Wills are not regulated by the Financial Conduct Authority.
How we help: our four-step advice process
Every client is different, but our structured approach ensures your money supports your goals and ends up in the right hands.
1. Understanding you
It all begins with getting to know you. We take the time to understand your current financial position, your plans for the future and any arrangements you already have in place.
You don’t need to have everything figured out before you speak to us. We’re here to help you make sense of it all, step by step.
2. Planning
We explore all available options and create a tailored plan to ensure your money is protected and directed as intended. This may involve inheritance planning, trust structures, protection policies or setting up nominations on pensions and insurance.
3. Implementation
Once you’re happy with the plan, we help you put it into place efficiently and accurately. Most clients prefer us to handle this for peace of mind, but you can also choose to do it yourself with our guidance.
4. Refinement
Life changes, and your financial plans should keep up. We recommend regular reviews so we can update your arrangements and ensure your money continues to be protected and directed to the right people at the right time.
What you can do now
Here are some steps you can take today to help ensure your money ends up with the right people:
- Review your will to make sure it still reflects your wishes.
- Check beneficiaries on your pensions and life insurance, as these override your will.
- Consider setting up lasting powers of attorney for financial and health decisions.
- Speak to your family so they understand your plans.
- Work with a qualified adviser to help you navigate legal, tax and regulatory considerations.
Not sure which step to prioritise? That’s where we come in. We can help you review everything and take practical action based on where you are right now.
A service built around you
We’re committed to providing high-quality, personalised advice you can trust.
Retirement is not the end of your financial journey. It is the time to protect what you have built and plan for the people who matter most. We are here to help you do exactly that.
Whether you are updating your will, reviewing pension nominations or planning for long-term care, we will help you take the right steps with clarity and confidence.
Book a no-obligation call with us at a time that suits you and speak to one of our experienced advisers. We are here to guide you, protect what matters and give you lasting peace of mind.
Approver Quilter Financial Services Ltd 05/08/2025