Financial Planning
Feel confident in your decisions for the future
Join thousands of people who’ve built a plan for their money with the help of an expert.
Why Octopus Money
10,000s of people trust Octopus Money to help
them make clearer decisions with their money.
Get matched with a money expert
We take the time to understand you, your goals and what matters most. You’ll never feel judged or rushed or confused with complex jargon. Just supported, every step of the way.
Bring all the pieces of your financial life together
Savings, investments and pensions can be hard to see clearly in one place. We bring everything together into a visual forecast, so you can see where you are today, where you’re heading and what’s next.
Stress-test your future plans
Create ‘what-if’ scenarios and test different life choices before you commit
- “What if I want to retire at 55 instead of 67?”
- “What if I take a career break?”
- “What if we renovate rather than move house?
Reduce the risk of costly mistakes
- Potential tax-efficient options
- How your savings are structured
- Workplace Benefits available to you
Clear guidance on what to do next
- A detailed overview of your available options
- See what your retirement could look like
- Practical, jargon-free explanations
Take the next steps with Octopus Money
- Bring your pensions together under one roof
- Invest your savings through our ISA or GIA accounts
- Get friendly mortgage advice for your home
What’s included
For £299, Financial Planning includes:
Starter Session
30-45 minutes
A free introductory session to discuss your goals, priorities and current finances, and answer any questions you have.
Planning Session
30-45 minutes
We’ll show you a personalised forecast of your finances from now to retirement, along with a clear set of actions to help guide your next steps.
Action Session
30-45 minutes
A follow-up session to talk through the guidance we’ve shared and help you get going.
Investing and Pensions
Once you have your plan, you can choose to open an investment account (GIA or Stocks and Shares ISA) or pension with Octopus Money.
- A choice of 3 ready-made portfolios
- Managed for you by investment professionals
- Access to coach catch-ups when you need them
Total ongoing fee:
0.58–0.60% a year of the amount invested
Meet the team
Our passionate and dedicated team of coaches
Mooka
Caspian
How we’ve helped people like you
Planning for childcare or education
No one prepares you for the real costs of raising kids…but a financial plan can give you and your family more financial stability. Whether it’s childcare, school fees, university costs or a nest egg you can pass on, we’ll help build the right strategy.
Buying a property
Whether you’re saving for your first property or trading up to the house of your dreams, we’ll build you a plan to get there and find the best mortgage deal for you.
Planning for retirement
It’s easy to be so focused on the here and now, that you forget about the life you want in 10, 20 or 30 years. That’s why half of Brits don’t think they’ll have enough in retirement2! We’ll help you make sure you’re saving the right amounts and investing the right way, so you can retire when you want.
What our customers say
How do you stack up?
Find out your money age
This quick quiz shows you how you’re really doing with your money. Older than your years? A financial toddler? Only one way to find out.
Frequently Asked Questions
Can I try the service before signing up?
Of course! It’s really important that you feel completely comfortable and understand all the ways we can help you with your finances.
We give everyone one free session – no strings attached – to make sure you understand how we work, see if we’re a good fit for you and hear some initial suggestions we’ll have for you.
What sets Octopus Money apart?
- We believe everyone deserves access to 1-to-1 money support and guidance that’s tailored to them.
- We’re proud to put a friendlier face on financial planning. No judgments, no jargon, no salespeople. Great service is at the heart of everything Octopus does. Our coaches and advisers always put you (and your dreams) first. Financial planning is more than numbers. It’s about feeling more confident, more in control and more excited about your future.
- You may know us from our sister companies, but did you know that Octopus was actually founded in 2000 as an investment company? Today Octopus Group is trusted by investors all over the UK to manage over £13 billion.*
- We’ve built our own range of investment portfolios that are globally diversified and have delivered returns that often beat competitive benchmarks (based on data from Asset Risk Consultants). That makes it even easier to go from plan to action.
Who can you help?
We’re here for anyone who wants to get a better grip on their finances, grow their money and get on track for their future goals. No matter what life stage you’re at or how much you have to invest.
We tend to work with people who find themselves too busy to optimise their finances on their own. Or they want to get a second opinion from an expert on how to make the most of their money and avoid costly mistakes.
Customers often come to us when…
- They’re saving to buy a property.
- Their family is growing and they’re thinking about their kids’ futures.
- They’re ready to stop putting off retirement planning and want to make sure they’re on track.
- They’ve got several big goals in mind and want to build the right strategy to save for all of them.
What will happen during the Starter Session?
Your first session will last around 30 minutes. The primary purpose is for us to learn more about you and for you to learn more about us, so you can decide if you want to sign up.
After you book a time that works for you, you’ll need to answer a few questions so we can get to know you and your situation a bit better. It’s a great opportunity to dig out old records and get all your finances in one place.
When you join the session, we’ll discuss your current circumstances and any money goals you have in mind. If you don’t have any goals, that’s okay – we can help you come up with some that are important to you.
Then, we’ll suggest which areas of your finances might need attention, and highlight the opportunities and challenges in front of you. These will be general tips and tricks, as we’ll only be sharing our initial thoughts.
Finally, we’ll explain our financial planning service, where we can build you a custom financial plan and help you sort your pensions, investments and more. Then, you can decide whether it’s right for you.
How will my session be held?
All of our sessions are held via video chat. A link to the meeting will be included in the calendar invitation which is sent to you after confirming your booking above.
Do I have to be a UK resident to use Octopus Money?
Yes, for the time being, you must be a resident and taxpayer of the UK to use our services. That’s because our technology and recommendations are all customised for the UK – including UK tax rules, legislation that applies to UK pensions and other guidance particular to the UK money system.
Unfortunately, we also cannot help US citizens or dual-citizens.
Are you FCA-regulated?
Yes, Octopus Money is regulated by the Financial Conduct Authority to provide financial advice (our register number is 763630). The Octopus Money Platform is also protected by the Financial Services Compensation Scheme.
That said, some of the services we provide are not regulated by the FCA. This includes financial coaching, which is not a regulated activity in the UK. Our coaches offer expert guidance to help you make informed decisions, but they cannot recommend specific regulated financial products or providers such as investments, insurance, pensions and mortgages. They learn about your situation and goals, build your financial plan and help you decide the best decisions to make.
If you have more complex circumstances, you can meet with a regulated financial adviser from our team. The advice you receive from one of our financial advisers is regulated by the FCA.
Are the conversations confidential?
Yes! The privacy and security of our customers’ data is our top priority, and we would never share any personal information about you with any third party without your permission.
What's your investment performance like?
We’ve built a custom range of globally diversified portfolios exclusively for our customers. And we’re proud to say they often beat competitive benchmarks (based on data from Asset Risk Consultants). You can learn more about our portfolios and their performance here.
But remember, as with all investments, past performance is no guarantee of future results. This essentially means, just because an investment has done well in the past doesn’t mean it will continue to do well in the future.
* Octopus as at March 2025. Funds Under Management data includes undrawn commitments, funds under advisory mandates and funds monitored, and is based upon the latest information available at the time of the calculation. The figure includes Octopus Investments, Octopus AIF Management and Octopus Investments Australia.
2The statement “half of Brits don’t think they’ll have enough in retirement” is sourced from findings from PensionBee, May 2024.