Firstly, you have got one very big life stage expense out of the way – weddings can cost a lot of money and can take years to plan and save for.

If you successfully did that together, then planning for a financially secure future together should be easy right? Not always.

With money one of the most common causes of stress and strain in marriages, getting guidance and advice early can really help.

A lot of strain is caused by uncertainty – is this their money, or my money or our money?

Talking over what is important to you both now and in the future (so you are both on the same page) and having an agreed strategic plan in place with a Financial Adviser, can make managing your finances together less painful and more productive.

In real terms, if you are both earning, two incomes can have many benefits when it comes to saving, budgeting and planning for the financial future you both want. There are also some tax-efficient allowances that married couples can benefit from – if you know about them!

A priority at this stage is to ensure that both of your hard-earned incomes and each other are protected, both now and in the future.  For example, to ensure you afford your current standard of living and bills if one of you suddenly took ill or was made redundant.

A Financial Adviser can help you think and plan for questions like:

What is the next big thing we want or need to save for?
Are both our pension pots in a good place for our current age and stage on the career ladder?
If we want children, what will that do to our current finances if suddenly two incomes, become one for longer than predicted?


Are you looking to make the next step on the property ladder and upsize, perhaps to accommodate a family one day? Would you like to start or build on a buy-to-let portfolio?

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

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Find out more

Life Cover

If one of you were to die, would the other be protected and able to manage any liabilities you would leave behind. Would you like to leave a legacy for your partner/spouse/children.

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Regular Savings

Between you, do you have a healthy disposable income? Have you been putting any of it away for a rainy day and are you doing this in the most tax-efficient way? Are you aware of all the tax-efficient allowances that you could be taking advantage of?

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Income Protection

If one of you suddenly were unable to work due to an accident or long-term illness – could the other spouse afford to pay all the bills?

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Critical Illness

Would you be forced to sell your home together if you got the sad and unfortunate news that one of you had a critical illness?

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Have you got a sizable savings pot already? Have you invested that in a tax efficient way? Are you better off saving separately or jointly?

The value of an investment with St. James’s Place may fall as well as rise. You may get back less than the amount invested.

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Are you both heading for a comfortable retirement or is one person’s pot looking healthier than the others?  Do you both have enough for the retirement you hope for or is one person going to have to subsidise the other? Do you both know where all your pension pots are and if they are being managed effectively?

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Only takes 5mins




Financial Wellbeing is within reach – with the right knowledge you can build a plan, tailored to your individual circumstances. Understanding what plans you already have in place plus identifying any gaps that need attention, can help set a course for making progress towards reaching your financial goals, aspirations and dreams amidst uncertain times.


We are passionate about what we do; helping people achieve their financial goals, aspirations and dreams, giving them peace of mind and allowing them to live and love life. So, we are asking as many people as possible to fill in our carefully created 5-minute questionnaire as honestly as possible. We want to anonymously use the data and insights we collect to form a bigger picture of what areas are the biggest concern for different age groups and demographics.

To take our financial wellbeing questionnaire, simply click on the button below.

Take Our Questionnaire
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18-22 Melville Street


0131 385 7477


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PW& Partners Ltd together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Privacy Policy or the St. James’s Place Privacy Policy.

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Sent every few months, this newsletter shares relevant information, insights and local experts with you to help support your overall wellbeing - the financial aspect of that being just one element. We also work with small local wellbeing businesses to bring you bespoke client offers on their products/services.

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PW& Partners Ltd together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Privacy Policy or the St. James’s Place Privacy Policy.