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Starting a family

Life’s greatest adventure

For many, starting a family is one of the most pivotal moments in life. It’s a challenging yet rewarding experience, but it can put a huge squeeze on your finances. Before you embark on this journey, you want to ensure that your finances are in the best possible position.

It’s not just the cost of parental leave and childcare that you must think about. You may need to purchase a bigger car; you have essential baby items to factor into your weekly budget; and you also have to consider saving for their future. On top of all this, you need to factor in additional insurance and protection policies as your family grows. It may sound like a lot to think about, but we will be there to take the load off your shoulders and prepare you for this exciting change in your life.

Questions you might have

Can I achieve a work-life balance?

One of the hardest things about becoming a parent is dividing your time. You want to continue earning money to provide for your family, but you also want to create memories.

We’ll work to get you to a point where you are financially comfortable and help you determine whether you both need to carry on working.

How do I plan for my child’s education?

Planning for the costs of your child’s education is one of the best things you can do.

Whether you’d like to send them to private school, are concerned about local nursery costs, or want to support them through university. The longer you have to get a plan in motion, the better the outcome will be. Once we understand your goals, we will set our sights on getting you there.

What insurance do I need in place?

Insurance and protection become even more important when you have dependents.

If anything happens to your assets or health, you want to sleep soundly knowing everything has been taken care of and your family isn’t placed in any financial predicaments. We can help you work out what is needed for that peace of mind.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

How can I quickly build my savings pot?

You may feel pressure to save more money as you start building your family, but it’s important to only save what you can afford.

We will listen to your goals and set up a budget and a plan to help build your savings.

Should I set aside money for their future?

Understandably, you want to start planning for their financial future at the earliest stage, but it’s important you don’t overstretch your own finances.

We will work with your entire family now and for many years to come, and financial freedom is our top priority.

How we'll help

One of the hardest things about becoming a parent is dividing your time. You want to continue earning money to provide for your family, but you also want to create memories.

We’ll work to get you to a point where you are financially comfortable and help you determine whether you both need to carry on working.

How we'll help

Planning for the costs of your child’s education is one of the best things you can do.

How we'll help

Insurance and protection become even more important when you have dependents.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

How we'll help

You may feel pressure to save more money as you start building your family, but it’s important to only save what you can afford.

We will listen to your goals and set up a budget and a plan to help build your savings.

How we'll help

Understandably, you want to start planning for their financial future at the earliest stage, but it’s important you don’t overstretch your own finances.

We will work with your entire family now and for many years to come, and financial freedom is our top priority.

The value of units can fall as well as rise, and you may not get back all of your original investment.

Explore the possibilities

There’s nothing quite like cashflow planning to set you up financially for the years ahead. It’s a wonderful way to visualise your future and understand where you’ll be financially in five or ten years. We will also ensure you have the right insurance in place and identify any gaps in your current policies.

We will listen to your own goals and those you’d like to achieve for your children, then build a plan to help you get there. Your happiness is your most valuable asset.

Your journey

Richard Chinn

16 days ago

We contacted Wholesome Financial Planning following mediocre service from our previous financial adviser. We had worked with Matt and Lucy previously and had no doubts about their professionalism, attention to detail, sound advice, excellent communication and speedy follow up on actions. As expected, Matt has been superb and given us total confidence that we made the right decision.

C S

18 days ago

Matt is very professional and has a calm way of communicating, which is important and reassuring. He explains everything clearly and patiently and responds to emails quickly. Fees were clear from the start and I experience him and the service I receive as steady and trustworthy. Highly recommended!

Angela Garwood

145 days ago

Lucy was recommended to us by a friend and was absolutely brilliant throughout. My parents needed guidance with a life insurance policy and she made a rather complex process much more straightforward. She updated us on her progress throughout and communicated clearly and efficiently what we needed to do. She was very reassuring, answering all of their queries and helping my parents understand the more complex elements to the policy. We highly recommend Lucy. Thank you Lucy for all your excellent and thorough work!

Ruth Page

319 days ago

I contacted Wholesome Financial Planning through recommendation of a friend. I asked if it was possible to have a home visit as my husband is disabled. There was no problem and Lucy visited us within 2weeks. Having a pension issue, she managed to explain to us simply and clearly how to solve this ourselves. As we are both over 80 years old, it was refreshing to have Lucy explain (what was for us a complicated issue)in simple terms how to solve it. We like to thank Lucy and Wholesome Financial Planning for a five Star Service.

Kay Wright

429 days ago

Excellent advice and guidance . It is clear Lucy is very knowledgeable in the areas of pensions and investing and has worked very hard to ensure her client base is well looked after . I would not hesitate to recommend her to anyone needing advice or guidance on pensions and pension planning.

Daisy Chains

627 days ago

Lucy provided initial advice. Her communication and response times were excellent based on a very clear pricing structure. Lucy provided clear and concise explanations and was patient when we asked questions. We received clear documentation and explanation of her recommendations.

M Mayes

721 days ago

We consulted Lucy after having recently retired. Lucy gave us a forecast that helped us to understand whether or not our retirement income was sufficient for our needs. She helped with consolidating separate pension 'pots' into one that can be monitored/managed online and in a fund that better suits our needs. Lucy gave us useful tools that supported with analysing our spending and our priorities for the immediate and longer term future. She arranged several meetings to listen to our needs, including attitude to risk, so that she understood them fully before providing us with advice which she was careful to ensure we understood. She also advised us about key points in the future when we should review if we did not take up the option of an annual review with her. Very satisfied customer!

We’re all ears

0118 315 1712 hello@wholesomefp.co.uk

3 School Terrace
Reading
RG1 3LS

Mon-Thur 9-5