Financial planning
We help individuals, families, business owners, education professionals, and have specialist support for families caring for a child or young person with special educational needs and disabilities (SEND).
We believe financial planning is best when it’s a personal service.
So we’ll take time to get to know what matters to you, and what you want to achieve with your money. We’ll examine your income, spending, savings, pensions and investments to show you what your money can support, now and in the future.
For a more detailed look at the elements that can form part of your plan, read what’s included in your financial plan.
Individuals and families.
Financial advice for you and your family.
You may be supporting children or parents, helping the next generation or balancing several family responsibilities alongside your own plans.
We’ll get to know your family, understand your individual and shared goals, and involve family members in conversations if you wish. We can help you plan across generations, decide when and how to pass on money, and adapt as family circumstances change.
We’ll also discuss difficult possibilities, such as serious illness or death, and how to protect those who depend on you financially.
Answering your questions.
- Am I saving enough for retirement?
- When can I afford to stop working?
- Can I spend more money now?
- Can I help my family financially?
- What would happen if my income changed?
Business owners.
Business and personal financial advice.
If you’re self-employed, running a small business, or a company owner with employees then the business decisions you make can have a direct effect on your personal finances.
We have expertise in extracting profit, building wealth outside the business and planning for succession or sale. We also advise on pensions, investments, insurance, mortgages, inheritance tax and estate planning.
If illness or injury stopped you working, we’ll look at how that would affect your income, your family and the business, and whether income protection or other insurance should form part of your plan.
Answering your questions.
- How should I extract profits from the business?
- How much wealth do I need outside the business?
- What would selling the business mean for my personal finances?
- How do I prepare financially for succession?
- Are our pensions and employee benefits doing what we need them to?
- What would happen to the business if I couldn’t work?
- How would my family be supported if something happened to me?
In the workplace.
Financial advice and benefits for your staff.
Insight also works with business owners on workplace pensions, employee benefits and financial wellbeing.
Workplace pensions & benefits
We’ll review your pension scheme and employee benefits, including what they cost, how they support the business and whether employees are getting value from them.
Financial wellbeing
We provide practical financial education through presentations and one-to-one consultations, helping employees understand their finances and the benefits available through work.
Personal financial advice
Employees can speak directly to a financial adviser about their own finances and longer-term plans.
Answering your questions.
- Are we offering the right pension scheme for our employees?
- Are we getting good value from our employee benefits?
- Do our employees understand the benefits available to them?
- How can we help our staff feel more confident about their finances?
- Can our employees get personal financial advice through work?
- How can we help employees plan for retirement?
Education professionals.
Financial advice for education professionals.
Insight has over 20 years’ experience advising teachers, lecturers, professors and school or university support staff.
We work with members of the Teachers’ Pension Scheme, Local Government Pension Scheme, USS and SAUL.
We’ll help you understand your retirement options and their effect on your income, bringing your pension together with your savings, investments, insurance and plans for life outside work.
Answering your questions.
- When can I afford to retire?
- Could I reduce my hours first?
- How do my pension, savings and investments work together?
- When and how should I take my pension benefits?
- What will my income look like after work?
Special educational needs and disabilities (SEND).
Caring for a child or young person with SEND?
Financial planning can feel overwhelming, and for SEND families there’s even more to consider, now and for the future.
SEND Protect is part of the Insight Group, helping us provide more support for SEND families. Through SEND Protect we provide specialised training for our advisers, and free financial education, workshops, support groups and one-to-one consultations for you and your family.
Our specially trained advisers can help you plan for savings, pensions, insurance, guardianship, wills, lasting powers of attorney and trusts that protect entitlement to means-tested benefits.
We’ll help you understand your options and decide what needs to happen, and when.
Answering your questions.
- How can I provide for my child’s future?
- How much can I afford to set aside?
- Could a trust help protect their entitlement to means-tested benefits?
- What arrangements should I make as my child gets older?
- What happens if I’m no longer able to support my child?
Let's talk.
You don’t need to arrive with everything organised or know exactly what advice to ask for. We’ll start with what’s happening in your life.
