Spring is a natural time for a reset — and that applies to your finances just as much as your home. Taking a little time now to get organised can help you feel more in control, reduce unnecessary costs, and make sure your plans still reflect what matters most to you.

Here are some simple steps to help you tidy up your financial life this spring.

Streamline your finances

Start by decluttering the basics:

• Close accounts you don’t use, cancel unused subscriptions or memberships, and explore ways to cut back on wasteful spending.
• Take stock of your regular outgoings — from gym memberships to streaming services — and consider whether each one still adds value.

Simplifying where you can frees up both money and headspace.

Build a document library

Gather all important documents, including Wills, insurance policies, investment portfolios and property deeds.
Consider storing these securely online so they’re easy to access when needed.
Whether for your own peace of mind or to help someone step in if needed, having your paperwork in order is one of the most practical steps you can take.

Keep beneficiary information up to date

Review and update the beneficiary details on your life insurance policies, pensions and expressions of wishes to make sure they reflect your current intentions. It’s a simple check — but an important one.

Revisit your investments

Are your investments still aligned with your long-term goals? Has your attitude to risk changed?
Maybe your personal circumstances look a little different today than they did when you last reviewed things.

We monitor performance and rebalance when necessary — but updating us on any changes in your goals, risk preference or life situation can help us ensure your investment strategy stays relevant.

Maximise tax-efficiency

The new tax year brings fresh allowances and opportunities to reduce your overall tax bill. These might include:

• Reviewing your ISA and pension contributions
• Making use of gifting allowances as part of your inheritance tax planning
• Looking at any capital gains you’ve made and using your annual exemption where it makes sense to do so

Tax planning isn’t just for year-end — getting ahead early can often give you more flexibility.

Review your retirement plan

Are you on track for the lifestyle you want in retirement?
Ask yourself:

• Am I saving enough into my pension?
• Are the underlying investments still right for me?
• If I have multiple pension pots, would consolidating them help or hinder?

This is also a good time to consider whether your current plan reflects how and when you want to access your money in future.

Share what’s appropriate

You don’t need to share every detail of your finances — but keeping a trusted family member informed about where key information is stored, or any recent changes you’ve made, can help avoid confusion later on.

For many people, financial planning is increasingly a family affair. Whether it’s helping children get on the housing ladder or supporting parents in later life, understanding your wider responsibilities can help shape your strategy.

Take control

Spring cleaning your finances is about more than just being organised — it’s about simplifying your life, staying in control, and making sure your money is working in a way that supports your goals.

We can help you get everything in order so you can focus on what matters most.

We’re here to help

If you’re ready to tidy up your finances or want support reviewing your current plan, our advisers can help you take the next step. Whether it’s simplifying your paperwork, reviewing your investments or making the most of new tax year allowances, we’ll provide personalised guidance to help you feel more confident and in control.

Get in touch today to start your financial spring clean.