Financial planning for your family
Having a family changes everything money is for. Most people work out what they need after it's already changed.
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What does planning for a family cover?
Protecting what you have, and planning for what's coming.
When someone depends on you financially, the cost of not having a plan isn't abstract. It's the mortgage on one salary. The childcare bill neither of you budgeted for. The cover you meant to sort out before the baby arrived. A good plan gets ahead of all of it.
Protect what you've built.
If you couldn't work tomorrow, how long would your family manage? We work out what they'd need, then make sure it's there.
Plan for the costs ahead.
Childcare, school fees, a bigger home. The costs of family life can be predictable. We help you plan for them before they arrive.
Keep your own future intact
Family costs are immediate. Your pension feels distant. We help you do both without shortchanging either.
The questions people ask.
Few people sit down and think – I need financial planning for my family.
They think:
We're having a baby and I've no idea how we'll manage on one salary.
We're thinking about private school. Can we afford it?
I want my family protected but I don't know what we have.
We've got two children and no wills. We keep putting it off.
That's where we start. With what's actually on your mind.
A good plan lets you get on with living.
Most parents mean to sort their finances out. Most haven't.
The cost of delay isn't dramatic. It's the income protection never taken out. The childcare costs nobody reviewed when your partner went back to work. The pension contributions paused for parental leave and never restarted.
None feel urgent. Over a decade, they leave a gap that's hard to close.
The families who close it had a plan, not the most money. They booked the holiday without the spreadsheet.
Whole of market. No tied products.
Advice that starts with your family, not a product range.
We work with families at every stage — before the first child arrives, through the school years, and into the point where the children leave home and everything recalibrates again.
We are independent. We search the whole market for protection, investments, and pension products. We recommend what fits your life, not what fits a target.
We've been doing this in Sussex, Surrey and Kent since 1993. The questions are usually familiar. The answers are always specific to you.
You know what living well looks like.
We'll show you the numbers to get there.
The child arrives without the panic
You planned for it. The income drop during leave was budgeted. The childcare costs didn't ambush you. You got to enjoy it.
The school that was always a maybe
You ran the numbers early. It turned out to be possible. Not comfortable, possible. The plan made the decision.
The moment you stopped worrying about the mortgage
Life cover in place. Income protection sorted. Wills done. The feeling that if something happened, your family would be okay.
FAQs
The family planning questions we answer every day
From First Call to Clear Plan
Three steps. That's all there is.
Talk to us
One call, no obligation. Tell us where you are and what you want. We'll tell you honestly whether we can help.
See the plan
A clear financial plan built around your family. Not the same plan we gave the last person. Yours.
Get on with living
We handle the complexity. You get on with raising your family.
The right advice starts with the right conversation.
Tell us a little about your family. One of our advisors will be in touch within one working day.
30 minutes, by phone or online.
No pitch. No pressure. No paperwork.
A real person, within one working day.
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Book a call
Submit the form and pick a time that works for you.
Independent financial planners across the South East
Worthing
Phone: 01903 259200
Godalming
Phone: 01483 427366
Haywards Heath
Phone: 01444 405160
Uckfield
Phone: 01825 766130