Money needs a plan

We’re a leading provider of advice, pensions and investments.

As a provider of financial advice, personalised wealth management, financial products and services, and investment options, we're here to help customers give their money a plan and build brighter financial futures for every generation.

We make it easy to ensure your money has a plan. We provide customers with financial advice, personalised wealth management, financial products and services, and investment options so they can easily plan and manage their money with their financial advisers.

However, please note the value of investments and the income they produce can fall as well as rise, so you might get back less than you invested.

We’re experienced in helping people plan and invest their money. A FTSE 250 company with a longstanding history, we’re rated financially very strong and were named the UK's number one personal pension provider 2025 by the Telegraph. We’re rated ‘Excellent’ on Trustpilot, based on reviews for our investment platform service.

Quilter Cheviot, our sister company, has been helping clients to grow and preserve their wealth for over 250 years through highly personalised wealth management, including discretionary investment management and advice services.

That feeling - that investing is “not for people like me” - is more common than you think. It’s part of what psychologists call Financial Imposter Syndrome: the sense that you’re pretending when you talk about money, or that you’ll be exposed for not knowing enough. But here’s the truth: you don’t need to be an expert to begin. You just need a plan, and someone to help you build it.

The UK tax year ends on 5 April, with the next one beginning on 6 April.

The end of the tax year is your final chance to use valuable 'use it or lose it' allowances, such as your ISA and pension allowance. Reviewing your plan ensures you’re not missing out on opportunities to boost your savings, reduce tax, and keep your investment strategy on track.

Investing early gives your money more time to grow and helps you make the most of your annual tax allowances before they’re gone. Starting sooner also means your pension and ISA contributions can benefit from a longer period of potential investment growth and any tax advantages.