Getting Off to a Good Start

Build strong foundations with budgeting, emergency savings and your first pension contributions.

Key considerations in your 20s

• Start a workplace or personal pension early — compound growth rewards time.
• Build an emergency fund of 3–6 months' essential expenses.
• Use your ISA allowance for tax-efficient long-term savings.
• Protect your income with basic life and critical illness cover if you have dependants.

Whatever your circumstances, a structured financial plan helps you make informed decisions and adapt as life changes. Alex provides impartial, whole-of-market advice tailored to your life stage.