Your Financial Health Check

Each of us will have a lifelong relationship with money. Understanding how to manage our personal finances is a key life skill. Financial literacy can mean the difference between success and failure; between achieving your goals or falling short of them.

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Your Financial Health Check

Why is a Financial Heath Check Important?

The ultimate goal is for you to reach a place of financial wellbeing, which can include:

-Making the most of your money on a day-to-day basis

-Being financially capable of dealing with the unexpected

-Feeling confident, empowered and knowledgeable

-Making smart use of debt, investments, insurance policies, tax reliefs and financial products to help you on your journey

Help to ease your worries:

-24% of UK employees worry about money every day, up 8% in a year,  40% reported that financial concerns were their biggest worry in 2022.

-Two in five workers (40%) have experienced increased financial anxiety in the wake of the coronavirus pandemic.


The current cost-of-living crisis presents a huge threat to many people and their prospects of achieving their financial goals. Although some are more insulated than others, the impact of high inflation, energy bills, interest-rate rises and other economic challenges have become widespread.

What is a Financial Health Check?

A financial health check is a review of your finances. It focuses on your needs and goals, and could help you to make better decisions about your finances, now and in the future.

Helping to explain and educate people about their finances is at the heart of what we do. Money shapes our future goals and aspirations – and crucially, it makes them possible.

About IQ

Find out more about IQ and our team of expert Advisers who can help you manage your finances and achieve your financial goals.

Some areas covered by the check include-

  • Reviewing your income and outgoings is an important aspect of managing your finances and budgeting.

    We will help review your disposable income and make suggestions to support your financial wellbeing.

  • Whether you are a first-time buyer, moving home or simply wishing to take advantage of a more competitive rate, it is important that you have the right mortgage in place.


    So whether you’re taking your first step onto the property ladder, you’re an existing home owner or landlord, or you’re a parent or grandparent looking to help your child or grandchild purchase their first home, we are able to access an appropriate mortgage solution that suits your needs.

    Furthermore, we will manage the application process from start to finish, relieving you of much of the stress.

  • Protection is about more than simply buying a life insurance policy – it’s about optimising the effectiveness of your wealth for the next generation and providing peace of mind for you and your family.


    We can help you to assess your individual situation and requirements, before devising a plan to ensure you have the peace of mind you need.

    Good health is arguably our most precious asset, and with it comes the ability to earn an income, but it is not something we can take for granted.

  • We have a range of potential solutions that may help reduce your tax bill.


    This could include utlising all your available allowances and taking advantage of tax efficient saving solutions.

  • Our retirement planning advice and services give you the help you need to make the most of your retirement opportunities.


    When it comes to thinking about your retirement, it’s never too soon to get started. In an unpredictable financial landscape, now is the time to ensure you have access to the expert retirement advice you’ll need.

    We offer a full range of expert advice and services across all areas of retirement planning. Whether you’re looking to maximise your pension fund, you’re nearing retirement yourself, or you’re managing employee retirement, speak to us today.

  • Let us help you put everything in place to ensure that your Will and an enduring Power of Attorney are in order.


    These are crucial elements of any effective form of financial planning, and sound advice is a must.

  • Whether you’re looking to invest for income or growth, the right investment strategy is critical in helping secure your future financial well-being.


    We can offer you advice which helps create the right investment strategy, based on your own specific circumstances.

    We have access to a range of investment solutions and ongoing services which have been carefully refined to help you reach your financial goals.

    The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

  • We offer a range of solutions to meet your needs


    Read more here


Contact us

Got a question? Contact us and one of our qualified Financial Advisers will be in touch to see how they can help you.


For a mortgage that really pays off.

Talk to one of our experienced, local advisers to help find your best deal and make mortgages easier for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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