Proud to support amicable customers with trusted financial guidance
We’ve partnered with amicable to give their clients access to financial planning at a discounted rate.
You can get started with a free session – no strings attached.
From there, if you decide to go ahead with planning you can save 10%, making it £269 instead of £299.*
*amicable clients get 10% off the full price of a planning session (see terms here).
How it works
Step 1
Book your free Starter Session
It starts with a conversation about your goals. Choose a convenient time for a video call to meet our team.
Step 2
Tell us about yourself
Before we meet, we’ll send a short questionnaire. The better we understand you, the more we can help.
Step 3
Get your financial plan
We’ll bring your future to life with a timeline of your goals, alongside all the pieces of your financial life.
Step 4
Start putting it into action
Whether it’s sorting your old pensions, setting up an ISA, getting a will and much more…we’re here to help.
What is financial planning?
A financial plan is the secret to feeling confident about your finances and how to make the most of your money.
It’s not a monthly budget. It’s a strategy that tells you exactly how to fund your long-term goals (like homes, kids, weddings, retirement and more). It’s the action plan with the power to change your financial future.
It’s easy to put off financial planning because of time or stress, but waiting can mean falling behind on the future you want. Without guidance, costly mistakes are common. Everyone needs a financial plan — especially if loved ones depend on you.”
Tom Francis
Head of Personal Finance
Our services
Financial Planning
At a glance
- Work with an accredited financial coach
- Get a detailed plan that brings together all the pieces of your finances
- If it’s right for you: opt in to receive regulated advice and invest with us
Who’s it for?
- Individuals with up to £200k to invest from existing savings, pensions & investments
- Individuals more than 5 years from retiring
Wealth Planning
At a glance
- Work with our wealth strategy team – including a qualified financial adviser and planner
- Grow and protect what you’ve built – with tax-efficient strategies, retirement planning and inheritance tax planning
- Tailored advice for complex wealth needs
Who’s it for?
- Households with £200k+ to invest from existing savings, pensions & investments
What it costs
Fair, transparent pricing that’s 7x more affordable than the industry average.1
Getting Started
Creating your financial plan
Get help before you invest. We’ll work with you 1-on-1 to build a personalised financial forecast and action plan around all your goals.
Ongoing
Investment & pension advice
Once you have your plan, we’ll manage your investments and pensions for you, alongside 1-to-1 ongoing advice and catch-ups every year.
Industry Average1
1.9%
Octopus Money
From 1.15%
From your investments
(per year)
Is this service right for me?
It’s perfect for you if…
- You want help from a real human, not just a digital tool
- You’ve got financial goals that are more than 5 years away (could be a home, your family, retirement or more)
- You want to optimise your finances to reach your goals
- You’ve already started building some savings
- You’re curious about investing or how to take control of your pension
It’s not right for you if…
- You’re in debt crisis or want advice on how to manage your debt
- You’re not a UK resident
- You’re a US citizen or US dual-citizen
See how we help people like you
Discount offer:
Terms & Conditions
- Eligible amicable clients get 10% off Octopus Money’s Financial Planning or Wealth Planning service.
- Octopus Money reserves the right to verify that any email address submitted as part of the offer is valid and associated with an amicable account. By taking advantage of this offer, you agree that we may take reasonable steps to confirm your eligibility, which may include checking the domain of your email address or contacting you for further information. We may withhold or withdraw any discount or promotional benefit if we reasonably believe that the eligibility criteria have not been met.
- Financial Planning and Wealth Planning will be provided by Octopus Money whose terms and conditions will apply.
- All customers who sign up for an initial session are invited to fill in a questionnaire for Octopus Money to learn more about their finances and goals.
- After the free starter session, amicable clients can then decide whether to go ahead with the Planning Session costing £269 for two sessions (usually £299) with Octopus Money’s coaches or financial advisers producing a financial plan.
- If, after the initial free starter session, Octopus Money does not deem the amicable client suitable for either the Financial Planning or Wealth Planning service, it may refer customers to other services it provides.
- Members must provide the email address that’s linked to their amicable account when signing up.
- Octopus Money reserves the right to withdraw or amend this offer at any time.
- Except for liabilities that cannot be excluded by law, Octopus Money accepts no responsibility for any damage, loss, liabilities or disappointment incurred or suffered by you as a result of you signing up to a free session with Octopus Money or any subsequent Planning or Action Sessions.
1Research from Investec Wealth & Investment (UK), March 2024
2The statement “7x cheaper than traditional financial advice” comes from comparing an average initial fee of £2,000 charged by financial advisers to our own upfront planning fee of £299. When we say “traditional financial advice” we are referring to services delivered by regulated financial advisers, which often start with by discussing your goals and building a financial forecast and plan. Our service includes some, but not all, of the benefits of “traditional financial advice” – for example, you get to work 1-on-1 with an expert and get a personal financial plan built around your goals, but you will work with a financial coach rather than a regulated financial adviser. The average upfront financial fee is sourced from Unbiased, Feb 2024 and the average total ongoing fee is sourced from Which?, Jan 2024.
*Octopus as at 31 December 2023 – Funds Under Management data includes undrawn commitments, funds under advisory mandates and funds monitored. It also includes funds under the management of Octopus Renewables Limited.