Just starting out
Just starting out
Are you starting out in life and just getting your career off the ground? A first job is an exciting and daunting prospect.
The first salary payment is the first step towards making the prospect of achieving life goals a real possibility.
Pension arrangements will appear at the earliest stage in your career.
A workplace pension is likely to be your first pension decision; whether to opt out and start your own private pension plan or participate and decide if you want to contribute more.
Retirement might seem so far away and there's so much you want to do in between. Why would you need a financial plan at this stage?
The earlier you start to look at your financial planning the better off you will be in the future.
Maybe you've got a large university debt to pay off.
Maybe you've been lucky enough to have benefited from the bank of mum and dad, helping you secure a property at this starting-out stage.
Perhaps you're already thinking about getting onto the housing ladder for yourself and need to work out how.
Even if you don't have much to spare at this time, starting to plan will give you some focus and get you thinking about how you start to save, and then invest to achieve what you want to further down the line.
The earlier you start your own personal financial plan, the better off you will be in the future. It's all about you and your life goals.
How to access our independent financial advice
Advice at home
Arrange to see an independent financial adviser at home, work or your local Ascot Lloyd office.

Advice over the phone
Receive independent financial advice over the telephone or video call when convenient.
Helping you shape your life's journey, how you want it.