Individuals & families
Financial planning for households: protection, mortgages, pensions, school fees, savings and passing wealth on with fewer surprises.
Alexander House
Planning for the household, not a single productIndividuals and families usually need several decisions to sit together: the mortgage, life cover, pensions, school fees, savings and what happens to the family home later on.→
An Independent Financial Adviser can look across those areas and explain which ones matter now, which can wait, and what the trade-offs are. The aim is a plan the household can follow, not a pile of separate policies.
- Protecting income if someone dies or cannot work
- Buying, moving or remortgaging the family home
- Pension reviews and consolidating old pensions
- School fees, gifts to children and later-life care costs
- ISAs, investments and the effect of inflation on cash
- Inheritance and trusts, where the family wants wealth to pass on deliberately
Services for individuals and familiesThese are the individual services most households come to Alexander House for. Each one has its own service page with the detail on suitability, options and risks; the short version is here so you can see how they fit together.→
Saving for the future: regular savings, ISAs and investment plans that match your time horizon and attitude to risk, so cash is not left losing value to inflation by default.
Wealth management: reviewing existing portfolios, pensions and savings as one plan, with clear reporting and a review cycle you can follow.
Coping with old age: retirement income, long-term care fees and the decisions that keep a spouse or partner secure, with SOLLA-accredited later-life advice available.
Reducing taxes: using allowances, pension contributions, ISAs and gifting sensibly, and understanding where inheritance tax could fall on the estate.
Buying your home: mortgages for first-time buyers, movers and remortgages, with protection built around the borrowing.
Protecting your family: life cover, critical illness and income protection sized to the mortgage, the income and the people who depend on it.
What a first conversation coversYou do not need a finished list of questions. A useful starting point is who depends on the household income, what is already in place, and which decision feels most urgent.→
Recommendations, costs and risks are explained before anything is arranged. Some estate planning, including trusts and inheritance tax work, is not regulated by the Financial Conduct Authority.
Talk to the team
Speak to Alexander House about your next financial decision.
Email the team, or send a short note through the contact form. We will come back to you with a clear next step.