Let’s turn your dreams into reality
Get 1-to-1 advice, a personalised financial plan and an expert team to look after your investments for you.
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So, what is financial planning?
A financial plan is the secret to feeling confident about your finances and how to grow 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 turn your dreams for the future into reality.
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When you make a plan with Octopus Money, you’ll get an interactive projection of your financial future, which will account for your goals and any major life events. We’ll also provide a personal set of actions to get you in a better place – including suggestions about your savings, investing, pensions and more.
When we want to get fit or lose weight, we turn to an expert for a diet and exercise plan. A financial plan is the same principle for your money.
“It’s tempting to put off planning our finances. In fact, millions of us delay making a plan because of lack of time or stress. But the problem is that many of us don’t realise – until it’s too late – that we’re not on track for the future we want. Without a helping hand, we risk making costly mistakes along the way. That’s why everyone should have a financial plan. Especially if you have loved ones counting on you now or in the future.”
Tom Francis
Head of Advice
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What are you saving for?
Everyone’s goals are different, but here are some of the most common ones we can add to your financial plan.
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 get you the best deal on your mortgage.)
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.
Saving for holidays
Having a financial plan will help you balance your short-term goals – like holidays and big purchases – alongside longer-term goals for your future.
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 1 in 2 Brits reach retirement without enough money saved in their pension!1 We’ll help you make sure you’re saving the right amounts and investing the right way, so you can retire when you want.
How it works
STEP 1
Book your free session
At Octopus Money, it all starts with a conversation about your dreams. Choose a convenient time for a video call to meet our team.
STEP 2
Tell us about yourself
The more we understand your situation, the more we can help. Before we meet, we’ll ask you to complete a few questions about your finances.
STEP 3
Get your financial plan
Discover your financial blind spots and the best path forward. We’ll bring your future to life with a timeline of your goals, alongside all the pieces of your financial life.
STEP 4
Put 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. And make sure you finally get it done!
STEP 5
Stay on track
Our experts look after your pensions and investments for you. Monitoring, adjusting and keeping you on track. As things change in your life, we’re always on hand to update your plan and strategy.
What it costs
GETTING STARTED
Your Financial Plan
We’ll work with you 1-on-1 to build your personalised financial forecast and action plan
£299
ONGOING
Investment and Pension Advice
We’ll manage your investments and pensions for you, alongside tailored advice and ongoing 1-to-1 support
From 1.15%
An experienced team you can trust
We’re part of Octopus Group, who manage more than £13 billion* for investors all over the UK.
Our team has built a wide range of custom Octopus portfolios – once we’ve built your plan, we’ll recommend the optimal one for you. They’re all globally diversified and often beat competitive benchmarks (based on data from Asset Risk Consultants).
Get started with your free session – no strings attached!
First things first. Meet for a chat, discuss your goals and money questions and see how Octopus Money can help.
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 advice, so we don’t mind how much or how little you have to invest. We’re proud that our financial planning is a fraction of the cost of traditional financial advice.
> 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 I want to build the right strategy to save for all of them in the best way.
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.
To receive regulated investment advice, you’ll use our digital adviser which will take information from your financial plan and intelligently recommend specific investment actions, tailored to your situation and goals. Alternatively, if you have more complex circumstances, you can meet with a regulated financial adviser from our team.
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.
1Research from Investec Wealth & Investment (UK), March 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.