Investments

Whether you want to build wealth over time, save tax-efficiently, invest for your children, or plan for retirement — there is an investment vehicle designed for your goal. We connect you with specialist, FCA-regulated investment advisers who can help you choose the right approach and put it in place. The introduction is free.

FCA Regulated| FCA No. 1038034| Free Investment Adviser Introductions| Est. August 2019| Verify on FCA Register

Why investing matters — and why advice matters more

£20,000annual ISA allowance per adult — sheltering growth and income from UK tax
£9,000annual Junior ISA allowance per child — building a tax-free pot for their future
60peffective cost of every £1 invested into a pension for a 40% taxpayer after tax relief
Free introto a specialist FCA-regulated investment adviser — at no cost to you

Investing is one of the most powerful ways to build long-term financial security — but the right approach depends entirely on your goals, your timeline, and your attitude to risk. The wrong wrapper, the wrong fund, or the wrong timing can cost you significantly in tax or returns. That is why taking regulated advice before investing is so important. We connect you with advisers who will take the time to understand your situation before making any recommendation.

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Protect What You Are Building

Investments take time to grow. If you cannot work due to illness or injury, you may be forced to draw on them early — or stop contributing altogether. Income protection insurance keeps your financial plan on track if the unexpected happens.

Find out about income protection

Explore your investment options

Each investment vehicle has its own rules, tax treatment, and ideal use case. Select the area that matches your goal to find out more — or get in touch and we will connect you with an adviser who can guide you through all of them.

Tax-free savings

Stocks & Shares ISA

Invest up to £20,000 per year in a tax-efficient wrapper. Growth and income are free from UK income tax and capital gains tax.

Find out more → For children

Junior ISA (JISA)

Save and invest up to £9,000 per year for a child in a tax-free account they can access at 18.

Find out more → Retirement

Self-Invested Personal Pension (SIPP)

Take control of your pension with a wider range of investment choices and full tax relief on contributions.

Find out more → For children

Junior SIPP

Start a pension for your child from birth. Contributions attract tax relief and the pot has decades to grow before they can access it.

Find out more → Flexible investing

Investment Bonds

A tax-efficient investment wrapper with flexible access — useful for estate planning, school fees, and longer-term wealth building.

Find out more → Not sure where to start?

Get personalised guidance

Not sure which investment vehicle is right for you? Get in touch and we will connect you with an adviser who can assess your full situation.

Get your free introduction →

Why take regulated investment advice?

Tax efficiencyThe right investment wrapper can save you thousands in tax over time. An adviser will ensure you are using your allowances in the most efficient order.
Risk-matched investingYour investments should reflect your attitude to risk and your timeline. An adviser will match your portfolio to your goals — not a generic template.
Avoiding costly mistakesInvesting in the wrong wrapper, missing allowances, or withdrawing at the wrong time can have significant tax consequences. Advice prevents these errors.
Whole-of-market accessRegulated advisers have access to the full investment market — not just a limited range of in-house products.
Ongoing reviewYour circumstances change. A good adviser will review your investments regularly and adjust your strategy as your life evolves.
FCA protectionRegulated investment advice comes with FCA oversight and access to the Financial Ombudsman Service and FSCS compensation scheme if things go wrong.

How to get connected to an investment adviser

1

Get in touch

Tell us what you are looking to achieve — whether that is tax-efficient saving, investing for children, retirement planning, or building long-term wealth. No forms, no pressure.

2

We make the introduction

We introduce you to a specialist investment adviser we know and trust. The introduction is warm — they will know your situation before they call.

3

The adviser assesses your situation

They will review your goals, timeline, tax position, and attitude to risk before making any recommendation.

4

You decide — in your own time

There is no pressure to proceed. The adviser will present your options clearly and let you make the right decision for your financial future.

Get Your Free Investment Adviser Introduction

Investment questions answered

What is the difference between an ISA and a pension?
Both are tax-efficient investment wrappers, but they work differently. With an ISA, you invest from taxed income but pay no tax on growth or withdrawals. With a pension (such as a SIPP), you get tax relief on contributions — meaning the government tops up what you put in — but you pay income tax when you draw the money in retirement. The right choice depends on your goals, tax position, and when you need access to the money.
How much can I invest each year?
The annual ISA allowance is £20,000 per adult and £9,000 per child (Junior ISA). Pension contributions are more complex — you can contribute up to 100% of your earnings each year (subject to the annual allowance, currently £60,000), and unused allowances from the previous three years can sometimes be carried forward. An adviser will help you make the most of your allowances.
Is investing risky?
All investing carries some risk — the value of investments can go down as well as up, and you may get back less than you invest. The level of risk depends on what you invest in and over what timeframe. A regulated adviser will assess your attitude to risk and recommend investments that are appropriate for your circumstances and goals.
Can I invest for my children?
Yes. A Junior ISA (JISA) allows you to invest up to £9,000 per year for a child in a tax-free account they can access at 18. A Junior SIPP allows you to start a pension for a child from birth — contributions attract basic rate tax relief and the pot has decades to grow. Both are powerful tools for building long-term financial security for your children.
Is the introduction really free?
Yes — we make the introduction at no cost to you. The investment adviser may charge a fee for their advice; they will make their charging structure clear before providing any advice or recommendation.
Written by Ben Tomlin — Financial Adviser, That’s Family Finance (a trading style of RB Ame Ltd).
Qualifications: Level 4 Diploma in Financial Advice · Level 3 Certificate in Mortgages & Protection · Level 3 Certificate in Equity Release.
FCA Individual Reference Number: BXT01420 · Last reviewed: August 2026.
Important information: That’s Family Finance is a trading style of RB Ame Ltd, authorised and regulated by the Financial Conduct Authority (FCA No. 1038034). Our FCA permissions cover protection insurance only. We do not provide investment advice. Where we introduce clients to investment advisers, those introductions are to separately FCA-authorised firms who provide advice in their own right and under their own regulatory permissions. The value of investments can go down as well as up. You may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change. Past performance is not a reliable indicator of future results.