Financial Wellness: What It Really Means – and Why It Might Be the Key to Your Future
Providing easy-to-understand financial advice.
Hi, I’m Rachel Edwards from Thrive Together Financial Planning – and if you’re reading this, chances are you’re wondering whether your financial future is really on track.
Let’s talk about something that doesn’t get enough attention, but should be right at the top of your priority list: financial wellness.
You might be earning well. You may even have multiple pension pots, investments ticking away in the background, or a successful business. But financial wellness isn’t just about income or wealth – it’s about knowing you’re on track, prepared for the unexpected, and free to make confident decisions without worrying about what’s around the corner.
So… what is financial wellness?
It’s not just a buzzword. Financial wellness is the feeling of security and control over your finances – now and in the future. It means having:
A clear understanding of where your money is and how it’s working for you
The right protection policies in place to support your family or business if life throws a curveball
A well-structured retirement plan, tailored to your goals – not a generic one-size-fits-all model
Confidence that your tax strategy is efficient and your investments are aligned with your values
For some of my clients, financial wellness means knowing they can retire at 55 without compromising their lifestyle. For others, it’s about reviewing outdated life insurance and replacing it with cover that actually suits where they are today – not where they were a decade ago.
Common signs you might not be as financially ‘well’ as you think:
You’re not sure how many pensions you have – or what they’re worth
You’ve never reviewed your life insurance, or it was arranged before you had kids or started a business
You’re paying 40% tax but haven’t explored director pensions or Relevant Life cover
You feel vaguely uncomfortable every time the word “retirement” comes up
Sound familiar?
The good news: you don’t need to have it all figured out
That’s where I come in. I offer honest, down-to-earth advice, not stuffy sales pitches. My approach is all about helping you feel more in control, protected, and prepared – whatever that looks like for you.
Whether you’re a business owner who’s built something incredible but never stopped to protect it properly… or you’re someone who’s worked hard, saved well, but wants to maximise what you’ve built – it starts with a conversation.
Your next step?
If you're not sure whether your finances are as “well” as they could be, let’s have a chat. I offer a no-obligation review, where I’ll give you tangible feedback on:
The efficiency of your pensions
Whether your life cover still works for you
Small tweaks that could make a big impact over time
📩 Drop me an email at rachel@thrivetogetherfp.co.uk.
Sometimes, peace of mind starts with one simple step.
Book a free consultation today: www.thrivetogetherfp.co.uk/contact
⚠️ This blog is for informational purposes only and does not constitute financial advice. Tax rules depend on individual circumstances and are subject to change. The value of pensions and investments can fall as well as rise. You may get back less than you invested. Always seek personalised advice before taking action.
