Guest Blog: Why Everyone Should Prioritise Financial Planning—Especially When Moving

Why Everyone Should Prioritise Financial Planning—Especially When Moving House…

Moving home is one of life’s most exciting - and stressful - milestones. Whether you’re upsizing, downsizing, buying your first property, or relocating for work or family, it’s a time of change, decision-making, and financial strain. Amid the chaos of packing boxes and mortgage paperwork, it can be easy to overlook one of the most important tasks: reviewing your wider financial plan.

As a Financial Adviser, I regularly speak to clients who admit they haven’t taken the time to properly evaluate their financial situation. They may feel unsure where to begin, or they’ve simply put it off until a major life event - like moving house - brings everything into sharper focus.

So how can financial planning help you feel more secure and confident during this transition? Let’s look at three key areas worth reviewing when you’re on the move.

1. Protecting What You’ve Worked For

Buying a home is often the biggest financial commitment many people will ever make. It’s also a moment when people become more aware of what they stand to lose should the unexpected happen. That’s why this is the perfect time to review financial protection policies.

Many homeowners ensure they have life cover to repay the mortgage if they pass away. But what about income protection?

Everyday illnesses or injuries—like stress-related conditions or back problems - can stop people from working for weeks or months. Statutory Sick Pay is unlikely to cover all your bills, especially if you’ve taken on a larger mortgage or increased living costs.

Protection is more than a policy - it’s your financial safety net.

It’s not just about whether you have cover, but whether it’s the right cover.

That includes thinking about how your family would cope if you were unable to work, or if your children became seriously ill.

Now is the time to ask: “Could I keep up my new mortgage payments if life took an unexpected turn?”

Regular protection reviews are essential, and financial advice can help you navigate the options clearly and with confidence.

2. Planning for Retirement – Without Delay

It might feel like retirement is a long way off, especially if you’re focused on the here and now - but taking the time to consider your long-term financial goals is key.

Whether you’re employed or self-employed, it’s worth reviewing your pension situation during big life transitions. If you’re taking on a bigger mortgage or investing in your home, you want to know that your plans for the future are still on track.

If you're part of a workplace pension, understand your contributions, the investment funds you’re in, and whether it will be enough to support the lifestyle you want. If you're self-employed, setting up a personal pension is a great way to benefit from generous tax relief while building a retirement fund.

Moving house often prompts a review of budgeting and affordability. It’s a great opportunity to also assess what kind of retirement you’d like - and when - and whether your current plans align with that.

3. Investing for the Future You Want

Major life events like buying or selling a home often come with big dreams: maybe you want to renovate, move again in a few years, fund education for your children, or simply grow your wealth.

With interest rates on cash savings still relatively low, investing offers an opportunity to grow your money over time. Whether you’re new to investing or want to explore more tax-efficient options like a Stocks & Shares ISA, a tailored plan can make a big difference to your future.

Investing doesn’t have to be complex or high-risk. It can start with small, regular contributions and grow steadily. The key is taking action—because doing nothing is often the biggest obstacle to financial success.

Financial Advice – A Trusted Partner During Life’s Transitions

Moving house is more than just a physical shift—it often prompts emotional and financial shifts too. It’s a moment when priorities change, ambitions get bigger, and risks feel more real.

That’s why this is the perfect time to seek guidance. A good Financial Adviser isn’t there to lecture or complicate things - they’re there to help you make informed decisions, save time, and feel in control of your financial future.

Whether you’re buying your first home, planning your final move, or looking to downsize, taking time to review your financial plan now can save you stress later - and help you make the most of the opportunities ahead.

If you’d like to chat about your financial goals, I’d love to hear from you. There’s no pressure, just a friendly conversation about how to build a secure future for yourself and your family.

Get in touch!

William Lindsay DipPFS

07503441378

william.lindsay@sjpp.co.uk