Build Your Family's Financial Legacy
From ISAs and pensions to inheritance planning, MomPlans connects you with an FCA-regulated independent adviser who helps you grow and protect your family's wealth for the long term.
Free 360 wealth review
Understand your assets, liabilities, pension position and inheritance tax exposure in a single structured session.
ISA, pension and inheritance planning
Your adviser helps you maximise your ISA allowance, review your pension contributions and plan your estate efficiently.
Independent, whole-of-market advice
Every adviser on our network is FCA-regulated, independent and has a legal duty to act in your best interest.
£20,000
Annual ISA allowance most UK families are not fully using
£325k
Inheritance tax nil-rate band, with many families unknowingly above it
£0
Cost to get matched with an FCA-regulated wealth adviser
Time is the most powerful tool in wealth building.
Compound growth rewards those who start early and structure their savings efficiently. A well-structured plan combining ISA, pension and estate planning can make an enormous difference to your family's financial future.
An independent financial adviser helps you avoid the most common and costly mistakes: holding too much in cash, missing tax allowances and leaving your estate exposed to inheritance tax.
Your ISA allowance cannot be carried forward
The annual ISA allowance is use-it-or-lose-it. Each year you do not contribute the full £20,000 is a year of tax-free growth you can never reclaim. An adviser helps you prioritise ISA contributions against other financial goals.
Pension contributions reduce your tax bill
Higher and additional rate taxpayers can reclaim significant tax through pension contributions. Many parents have not reviewed their pension since starting a family and may be missing valuable employer matching.
Inheritance tax catches more families every year
Rising property prices mean more UK families are now above the inheritance tax threshold. Early planning through gifts, trusts and pension structuring can significantly reduce or eliminate the liability.
Independent advisers. Whole-of-market access.
MomPlans connects you only with fully independent, FCA-regulated financial advisers. They are not tied to any bank or product provider and are legally required to recommend what is best for you.
Regulatory references
Three steps to a clear wealth plan
Share your financial picture
Tell us about your income, savings, property, pension and any existing investments. Your adviser uses this to identify gaps and opportunities.
Meet your dedicated wealth adviser
MomPlans connects you with an FCA-regulated independent financial adviser within 48 hours, matched to your specific goals and family circumstances.
Receive your personalised wealth plan
Your adviser presents a written strategy covering ISA, pension, protection and estate planning with clear next steps and transparent costs.
They built a plan. Their families are better for it.
"I had money sitting in a savings account earning almost nothing while my ISA was barely touched. My adviser restructured everything and the difference in projected returns over 20 years is extraordinary."
"I was worried about inheritance tax on the business. My adviser showed me exactly how to structure things using business relief and a family trust. It was not as complicated as I feared."
"We had never properly reviewed our pensions as a couple. My MomPlans adviser helped us consolidate old pensions, max our ISAs and set up Junior ISAs for the children. It was a game changer."
Testimonials recreated for illustration purposes.
Why families trust MomPlans
FCA-regulated advisers
Every adviser on the MomPlans network is authorised by the Financial Conduct Authority and has a legal duty of care to recommend what is genuinely best for you.
Fully independent
Our advisers are not tied to any product provider. They search the whole market to find the best ISA, pension and investment wrappers for your situation.
Transparent fees
Your adviser explains exactly how they are paid, whether by percentage of assets or flat fee, before any work begins. No hidden charges, ever.
UK GDPR compliant
Your financial data is handled with the highest level of care and in full compliance with UK data protection law. Nothing is shared without your written consent.
Your questions answered
What is the difference between an ISA and a pension?+
Both are tax-efficient savings wrappers but they work differently. A pension benefits from tax relief on contributions (the government adds money based on your tax rate), and you can access it from age 57 (rising to 57 in 2028). An ISA is funded from your after-tax income but withdrawals are completely tax-free at any time. Most financial plans combine both, and an adviser will help you decide the right balance for your situation.
When should I see a financial adviser for wealth management?+
The best time is before a major life event such as a significant pay rise, receiving an inheritance, approaching maternity leave, or when you have more than £20,000 to £30,000 in savings and no structured investment plan. An adviser can help you avoid common mistakes such as holding too much in cash, missing employer pension matching or ignoring inheritance tax exposure.
What is inheritance tax and how can I reduce it?+
Inheritance tax in the UK is charged at 40% on the value of your estate above £325,000 (the nil-rate band), with an additional £175,000 if you leave your main residence to direct descendants. Common planning strategies include making use of annual gift allowances, setting up trusts, maximising pension contributions (pensions are generally outside your estate) and taking advantage of business relief. An adviser can model the impact of different strategies on your specific situation.
What is a Junior ISA and how much can I put in?+
A Junior ISA is a tax-free savings account for children under 18. You can contribute up to £9,000 per tax year per child. Growth and withdrawals are completely tax-free. The child cannot access the money until they turn 18. It is one of the most effective ways to save for a child's university fees or first home deposit.
Do I need a large amount of money to work with a wealth adviser?+
No. Many FCA-regulated advisers work with clients at all stages of wealth accumulation. Even if you are starting with small regular savings, an adviser can help you structure them efficiently and build a long-term plan. The cost of not having a plan typically far outweighs the cost of advice.
Is MomPlans regulated?+
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice ourselves. Every adviser we introduce you to is authorised and regulated by the Financial Conduct Authority.
The best time to plan was yesterday. The second best time is today.
MomPlans connects you with an independent, FCA-regulated adviser who reviews your full financial picture and builds a personalised plan for your family's future. Free to start, no obligation.
- Free 360 wealth review
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- Fully independent advice
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- FCA-regulated advisers
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice. The value of investments can go down as well as up and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. This page is for information purposes only and is not a personal recommendation.