Back-to-School for Your Finances: Why September is the Perfect Time to Review Your Wealth
Let’s make a plan that helps you truly thrive—not just get by.
September has that “fresh start” feeling. The summer holidays are behind us, the kids are back at school, and for many of us, it feels like the real beginning of the year. While diaries fill up quickly, it’s also one of the best times to pause and take stock of your finances.
Whether you’re a business owner juggling profits and tax planning, or a professional with multiple pension pots and investments, September offers the ideal moment to bring your financial life back into focus.
1. Get clear on your pensions
If you’ve worked for more than one employer, chances are you’ve got more than one pension pot scattered across different providers. September is a great time to:
Track down old pensions you might have lost sight of
Check what you’re paying in charges
Review how they’re invested and whether they’re still right for you
A quick review now could save you thousands over the long term.
2. Revisit your protection
After the holiday season, many families start thinking about the “what ifs.” If your income, health, or family situation has changed recently, your protection policies (like life cover or income protection) might need an update. Making sure your family and business are protected is one of the most practical steps you can take for peace of mind.
3. Business owners: think tax efficiency
With six months left until the end of the tax year, now is the right time to review how you’re taking profit from your business. Could pension contributions reduce your corporation tax bill? Are there allowances you haven’t used yet?
Small changes now can mean a healthier retirement plan later — and potentially less tax.
4. Reset your financial goals
Just like children heading into a new school term, September is about fresh focus. Ask yourself:
What financial goals do I want to hit by December?
Am I on track to save and invest what I planned?
Do I know what my financial priorities are right now?
A financial plan isn’t static — it should move with you, your business, and your family.
Final Thoughts
September is the “reset” month your money needs. By taking time to organise your pensions, review your protection, and ensure your business and personal finances are working together, you set yourself up for a stronger end to the year — and a more confident financial future.
Because thriving financially isn’t about doing everything at once. It’s about starting now, with the right steps, and keeping the bigger picture in mind.
Sometimes, peace of mind starts with one simple step. Together, we’ll get your financial life thriving — not just surviving.
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.
