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Savings & Investment Advice

Clear, personalised advice to help you save efficiently, invest confidently and make your money work towards your long-term goals.

Make the most of your savings

Get advice on cash savings, ISAs and tax allowances, helping you balance accessibility with making your money work harder.

Invest with confidence

Build a diversified investment strategy based on your goals, timeframe and attitude to risk, without getting distracted by short-term market noise.

Create a strategy built around your life

Bring your savings and investments together with your pensions, protection and wider financial plans, reviewing as your circumstances change.

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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.

Here’s how we can help you make the most of your money

Our savings and investments advice follows a clear journey, designed to give you structure and reassurance at every stage.

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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.

Structured 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.

Aligning investments with your timeframe and risk

How your pensions are invested can significantly influence your long-term outcomes, so we spend time aligning your investment approach with your timeframe and attitude to risk. If retirement is still a long way off, a growth-focused strategy can work harder for you over time, and we will make sure your investments reflect that opportunity. We will explore your comfort with market ups and downs, review how your current pension investments match your plans, and recommend an investment strategy that balances growth potential with an appropriate level of risk as you move towards and through retirement.

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 fun

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.

Why partner with Omny for Savings & Investment advice?

A personal goal-led approach

We begin with your life, rather 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.

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)

Built on relationships, driven by our experts.

At Omny Group, we believe great service starts with great relationships. Our people take the time to understand your business, becoming a trusted extension of your team. Whether we’re supporting you with a new investment strategy, short-term savings plan, or other personal finance advice, you’ll always have experienced, dedicated professionals who genuinely care about your success.

Learn more about us

Ian Beaumont

Group CEO

Angie Crush

Head of Employment Law

Mike Kealey

Managing Director, Omny HR

Amanda Menahem

Group HR Director & Head of Omny Performance

Chris Halloran

Group Finance Director

Jonelle Wilkin

Group Head of Operations

Russell Corlett

Health & Safety Director

Lorraine Williams

Senior Legal Director

Paul Andrews

Director

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Let's get you feeling confident in managing your money

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Frequently asked questions

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 advice gives you clarity and confidence. It helps you make informed decisions, structure your finances effectively, and stay on track as your circumstances change. We’ll also help you make the most of your allowances and understand your tax position, so your money works harder for you.

Who should get financial and investment 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.