How One Young Family Turned Financial Uncertainty into Investing with Confidence — A real-life case study

25/04/2025

👨‍👩‍👧‍👦 Client Snapshot

• Profile: Married couple, mid-30s, two young children

• Income: Approx. £120,000 household income

• Situation: Mortgage in place, surplus income, referred by existing clients

🧭 The Challenge

This couple came to us knowing they were starting to do well financially — but they weren’t sure what to do with their surplus income. They felt they should be making smart decisions for the future, but didn’t have a clear plan or goals in place.

Here’s what we uncovered:

• Monthly surplus but no structured investment strategy

• Multiple unorganised savings accounts

• Credit card debt, despite having enough in savings to clear it

• Several workplace pensions with low contributions and no visibility on how they were invested

• Children’s savings accounts sitting in cash and not being added to

• Life insurance in place, but no income protection

💡 Our Recommendations

We created a straightforward and strategic financial plan to help them take control:

• ✅ Set up income protection to secure their family’s lifestyle if either partner became unable to work

• ✅ Consolidate savings accounts for better visibility and easier money management

• ✅ Clear credit card debt using existing savings

• ✅ Transfer and invest old workplace pensions in line with their long-term goals

• ✅ Maximise employer pension contributions to take full advantage of workplace benefits

• ✅ Open Junior ISAs for their children and set up monthly contributions into investment funds

• ✅ Use remaining surplus to fund their own ISAs monthly, building long-term wealth

😊 The Result

The couple were delighted with the plan. For the first time, they felt clarity and confidence about their financial future. The steps were easy to understand and gave them a clear path forward. They implemented every part of the plan — from clearing debt to starting investments for both themselves and their children.

🔁 Ongoing Support

We agreed to review their plan annually, ensuring it continues to reflect their changing lives — promotions, new goals, or family milestones.

With structure in place and a long-term view, they’re now building real financial resilience for the future.

✨ Final Thoughts

This case shows how even clients in a strong financial position can benefit from structure, guidance, and a personalised investment strategy. With a few small changes, this young family transformed uncertainty into clarity — and are now confidently planning for the years ahead.