Planning your next move? Start with a plan.

Whether you’re changing careers, returning to education, starting your own business or simply wondering what’s next, every big life decision comes with financial questions.

With 42% of UK adults having taken part in learning within the last three years, more people than ever are investing in new skills, career changes and personal development. But while taking the next step can be exciting, it’s important to understand the financial implications before you make your move.

Our free guide helps you consider the key financial questions, giving you the confidence to take your next step.

Inside the guide you’ll discover…

– How to prepare financially before making a major life change
– The questions to ask before changing career or returning to study
– Ways to build financial confidence during periods of uncertainty
– Common mistakes people make when planning their next move
– Practical tips to help you feel more in control of your finances

Download your guide

Why Lifetime

Helping people navigate life's biggest financial decisions

At Lifetime, we’ve helped thousands of people navigate life’s biggest financial decisions. Whether you’re changing careers, returning to education, starting a business, growing your family, planning for retirement or simply wondering what’s next, we help you understand your options, build confidence and create a financial plan that works for your life.

If you’re planning a major life change and want guidance that’s tailored to your circumstances, our financial planners are here to help. There’s no pressure and no obligation, just practical advice to help you understand your options.

Book a conversation

Every life change starts with a question.

Every life change starts with a question.

You might be asking yourself…

• Can I afford it?

• Is now the right time?

• What happens if my income changes?

• Am I financially prepared?

Whether you’re changing careers, returning to education, starting a business or planning your next chapter, understanding your finances gives you the confidence to move forward.

That’s exactly why we created this guide and if you’d prefer to talk it through, we’re here to help.

Talk through your options

Enabling choice

When you can see clearly what you have, what you need, and what’s possible, you get to choose. Not just react. A financial plan turns a vague “I wonder if I could…” into a real answer.

Creating flexibility

Life changes. Plans should too. Good financial planning builds in room to move, so a job change, a career pivot, or time out to study doesn’t mean starting from scratch.

Supporting change

We’re not here to tell you what to do with your life. We’re here to make sure money isn’t the thing that stops you doing it.

Building Confidence

Major life changes can feel uncertain. Whether you’re changing careers, returning to education, starting a business or planning your next chapter, financial clarity helps you move forward with confidence.

Free Guide

Navigating your next move: a practical guide to financial planning through life change

From career changes to going back to study, from new jobs to new directions. Our guide walks you through the financial questions worth asking at every stage of a life pivot. Honest, practical and written for real life.

 

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See what people say about Lifetime

We’re proud to have helped thousands of people across the nation make their money work for them. But don’t just take our word for it. Read the inspiring stories and testimonials from individuals and businesses across the UK.

I recently worked with Paul Lee at Lifetime, and I couldn't be happier with the experience. Paul took the time to review my workplace pensions in detail, offering clear, in-depth analysis that genuinely helped me understand my options. His service felt truly personalised, not generic or rushed. Paul is a friendly, approachable, and genuine nice guy. He's always available when needed, returns calls promptly, and arranges meetings at times that suit me - a level of service that's rare these days. He explored multiple retirement pension options with me, explaining the pros and cons in a way that made my decision far easier. I'm extremely happy with the advice and the confidence it's given me moving forward. Highly recommend Paul for anyone looking for professional, thorough, and personable financial guidance.

Mukesh Vadukul

Paul Lee, my Lifetime financial advisor, has been an absolute star is guiding me through the process of setting up a drawdown pension prior to my retirement and arranging the monthly pension payments following my actual retirement this month. I have every confidence that Paul is working in my best interests but is always mindful of his responsibilities regarding ethical behaviour and the needs of his own employer. Well done Paul - I look forward to a long and fruitful working relationship with you.

Steve Pollard

We used Lifetime as a recommendation and couldn’t have been happier with the service. Scott Kershaw was our broker/adviser, who was prompt, reliable and very informative throughout our transaction. He found us the best deal, checked in with us regularly and made the whole process stress free. I would highly recommend him and we will definitely use him and Lifetime again

Sam Pittam

Very good service indeed. I don't feel that I was pushed into a corner in any decision that I made. I felt that I was fully informed, aware of choices, I was told about Pro's and Cons of each option but that I was always in control. Great service.

Ian Haylett

I felt that I should look into how to seek help in securing my financial position for my remaining years. I am 72. Lifetime have shown me the way to do this. They have given me the confidence to release part of my funds for them to reinvest with a view to keeping up with the rising cost of living. Kristain at Lifetime patiently guided me through the investment procedure and made sure I understood every step. I am looking forward to feeling more relaxed about my future now I have seen the projected figures drawn up by Lifetime’s experts and feel I am in safe hands.

Ann Dearman

We have just used lifetime for the 2nd time since buying our first home to remortgage and Scott was our adviser, we couldn’t recommend him enough! The whole process has been smooth and quick not to mention he got us a great deal, we will be returning to lifetime again once our fixed rate is finished, thanks again Scott!

Olivia Cawthorn

We recently used Lifetime as our fixed rate mortgage deal had come to an end and we were looking to switch to a new lender. Our mortgage Advisor, Scott made the whole process an absolute breeze. Communication was fantastic and he was very flexible when arranging meetings. Everything ran smoothly and I cannot fault a thing. Thank you again!

Chelsea Lowther

Lifetime have offered great customer service and impartial advice to help my family and I plan for the next 5-10 years to meet our financial and life goals. Paul has been very personable and explained products to both my wife and I who have varying degrees of knowledge on the financial products and he has been able to explain clearly to us so we have a full appreciation of the full product set. I feel lifetime have our personal interests at heart and often ask us to keep more cash aside to enjoy life whilst still reaching our goals. Great customer service, both personal and professional and a joy to deal with.

Mark Hield

Highly recommend it! I have so far spoken to a few consultants to have an overview of my lifetime plan and get financial advice. Everyone has been extremely friendly and helpful. James Allen has been brilliant in gathering insights from our conversation and going through my Financial plan video. James Fisher has given me great financial advice making me realise how to get the most out of my money, helping me quickly change directions. I have spoken to other people in the company and can say that even though I was sceptical at first, I would definitely recommend their services.

Jessica Giannecchini

I have had a very positive experience with Lifetime. Scott and Sam have been exceptional with the service and advice they have given me. I cannot praise them enough and look forward to an ongoing relationship with this organisation.

Nick Timperley

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