Start with the decision you need to make
A wider financial planning enquiry suits questions involving several parts of your finances, such as household spending, savings goals, existing commitments and a change in circumstances. Explain the priorities that need to be considered together.
If a particular event prompted your enquiry, name it. A change in employment, approaching retirement or an upcoming spending commitment gives useful context. You can also say that you need help identifying the main planning questions.
Separate the main focus from related questions
Retirement enquiries centre on future spending, pension arrangements and the transition from earnings to retirement income. Investment enquiries focus on money already invested or being considered for investment, its purpose and when it may be needed.
These topics often overlap. An investment question may belong within a retirement plan, while a retirement decision may depend on wider household finances. Choose the closest starting point and mention the related issues in the same message.
Set the scope of your enquiry
Tell us whether you’re looking to discuss a single decision, a review of an existing plan or an ongoing advice arrangement. Mention any deadline and any adviser relationship already in place.
Your first message only needs an outline. Keep account statements, identification documents and detailed financial records out of the form. Use the contact form to explain what you want to discuss and which decisions remain open.