Savings & Investments Advice
Growing your money should feel purposeful, not overwhelming. Yet with interest rates, inflation, ISAs, investment platforms and market noise to digest, it can be hard to know whether you are doing the right thing with your savings and investments. Too much cash on deposit risks being eroded by inflation; too much investment risk can leave you anxious about market swings.
With Omny Personal Finance, you gain a calm, structured approach to savings and investment financial advice. We help you decide how much to hold in cash, how and where to invest for the long term, and how everything fits together with your wider financial plans. The result is a savings and investments strategy that supports the life you want, rather than a collection of disconnected accounts.
Why Choose Omny for Savings & Investments Advice
A Personal, Goal‑Led Approach
We begin with your life, not the latest market headline. We explore what you are saving and investing for, how far away those goals are and what level of risk feels workable for you, before we talk about specific products or providers.
Joined‑Up Financial Planning
Your savings and investments do not sit in isolation. They need to work alongside your pensions, protection and other commitments. As part of Omny Group, we can align your savings and investments advice with pensions & retirement planning and personal protection, so every pound has a clear role.
Clarity on Cash vs Investments
We help you decide how much to keep in readily accessible savings for emergencies and short‑term goals, and how much can sensibly be invested for longer‑term growth. This means your money is there when you need it, while still working harder in the background.
Plain‑English Investment Advice
We explain how investing works, what level of risk you are taking and how your portfolio is constructed, in language you can understand. Our investment advice focuses on long‑term, diversified strategies rather than short‑term speculation, so you can stay the course with confidence.
Ongoing Support as Life Changes
Careers evolve, families grow, and priorities shift. We provide ongoing savings and investments advice, so your strategy can adapt to changes in your income, goals and the wider economic environment.
Did you know?
Too many people lack the savings or investment strategy they need:
1 in 10 adults in the UK have no cash savings at all, and 3.6m have less than £100 set aside.
23% of adults say they couldn’t cover a £200 emergency from savings.
19% of adults have never heard of a Stocks & Shares ISA.
In 2024, £709bn was held in cash ISAs versus £439bn in Stocks & Shares ISAs — despite stocks & shares ISAs delivering over 3x higher returns over 20 years.
45% of UK adults say they don’t feel confident managing their money.
Sources: FCA (2024); BBC (2024); IA (2025); Finder (2024); Financial Capability Survey (2023)
How We Help You Make the Most of Your Money
Understanding Your Current Position
We start by taking a clear look at where you are today. That includes understanding how much you currently hold in cash across current accounts and savings, and what is already invested in ISAs, general investment accounts or other arrangements. We look at interest rates, charges, investment choices and how easy it is for you to access money if you need it. We also factor in any outstanding debts, since for many people clearing high-interest borrowing is the right first step before building a positive financial position.
Clarifying Your Goals and Time Horizons
Next, we focus on what you want your money to achieve. We will talk about short‑term goals such as building an emergency fund or saving for home improvements, medium‑term plans like starting a business, and longer‑term ambitions such as financial independence or retirement. We then connect each goal to a realistic time horizon and priority level.
Structuring Cash Savings
Before taking investment risk, we make sure your cash safety net is robust. Together, we agree on how many months of essential outgoings you should hold in easily accessible savings, taking into account your job security, dependants and other safety nets. We then help you choose suitable accounts for this money, aiming to balance access, interest rates and deposit protection.
Making the Most of ISAs and Tax Allowances
Tax efficiency is a key part of effective savings and investments advice. We explain how cash ISAs and Stocks and Shares ISAs work, including contribution limits, what they can hold and the benefits of tax‑free growth on interest, dividends and gains. We then look at how best to use your ISA allowance each year, alongside pensions and any taxable investments, so you keep more of your returns over the long term.
Designing an Investment Strategy That Fits You
For the money that can be invested, we design an investment approach that reflects your goals and your comfort with risk. We will explore how you feel about market ups and downs, how long the money can remain invested, and what you are ultimately hoping to fund. Based on this, we recommend a diversified portfolio, typically using a blend of funds and asset classes, tailored to your circumstances.
Keeping Your Plan on Track
As part of our ongoing service, we review your plan regularly, checking that it still matches your objectives, risk tolerance and timeframes. If your circumstances change, such as your income has increased, you have paid down debt, or your goals have shifted, we update the plan accordingly. We also keep an eye on market developments and legislation changes, so your strategy remains appropriate and up to date.
Frequently Asked Questions (FAQ)
What does the initial meeting cost?
There’s no charge for your initial meeting or presentation. We’ll use this time to understand your goals, share our recommendations, and outline how we can support you going forward.
What’s the benefit of financial advice?
Good investment advice gives you clarity, structure and accountability. It helps you decide how much risk is right for you, how to use tax wrappers such as ISAs and pensions, and how to stay invested through market ups and downs. It also reduces the risk of emotional decisions, missed opportunities and holdings that do not match your goals.
Who should get financial advice?
Anyone who wants to make the most of their money — whether you’re early in your career, changing jobs, growing your wealth, or planning for retirement.
What does ongoing advice cost?
Our fees are very competitive. Our ongoing advice service is 0.5% on advised products, subject to a minimum fee of £240 per year.
Am I locked into the ongoing advice service?
No. If you ever feel you’re not getting value for money, you’re free to leave at any time with one month’s notice.
What happens if I change employer?
You can continue with our service. We’ll review your new situation and provide updated advice tailored to your new role and benefits.
Can my partner also receive advice?
Yes. We offer the same service for partners, and working with both of you allows us to provide more comprehensive advice that reflects your full financial picture.
Who is savings and investments advice suitable for?
Our clients include people who are new to investing, individuals with existing portfolios who want a clearer strategy, and those planning for major goals such as buying a home, funding education or preparing for retirement. If you have money to save or invest and want a joined‑up plan rather than ad hoc decisions, tailored advice can help.
