Your finances are as neglected as the brew kit on exercise day 3 and here's why:
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You don’t have a clear plan for your money. You know what comes in, but not where it goes, and that lack of visibility keeps you chasing your tail every month.
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You’re missing out on benefits you’ve already earned. Pensions, Forces Help to Buy, and allowances often go unchecked, meaning you’re leaving your own money behind.
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You’re spending a fortune on protection you don’t understand. You’re paying for cover without knowing what it does, why you have it, or whether it even fits your needs.
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You’re reacting, not planning. Without structure, every expense feels like a surprise, and your long-term goals stay stuck on the “one day” list.
This 10-minute read could be the difference between knowing where you’re headed, or drifting without a plan.
It’s your quick-fire checklist for getting financially squared away and staying on course toward your goals.
What’s Inside the Guide
Each section provides clear, actionable steps to help you stay financially prepared throughout your service:
Financial Readiness – Learn how to structure your income, spending, and savings to build long-term stability.
Pension Awareness – Understand your Armed Forces Pension Scheme, Early Departure Payment, and how to enhance your future benefits.
Family & Lifestyle Protection – Ensure your life, critical illness, and family medical cover are correctly structured and written in Trust.
Debt & Credit Health – Manage borrowing effectively, make use of 0% balance transfers where appropriate, and maintain a strong credit profile.
Property & Home Planning – Track Forces Help to Buy repayments, monitor mortgage rates, and make informed decisions before each posting.
Career Development – Use ELC and SLC funding strategically to build skills that strengthen your career and post-service opportunities.
Legal & Estate Security – Keep your Will, Power of Attorney, and beneficiary nominations up to date and properly aligned with your assets.
Mission Plan – Schedule an annual Financial MOT to ensure every area of your finances remains aligned with your service and family goals.
Why It Matters
Serving personnel face unique financial challenges — complex allowances, pension structures, and limited access to traditional income protection.
Without a structured plan, small gaps can turn into long-term issues.
This guide helps you identify risks early, make the most of every benefit, and protect the people who rely on you.
Who It’s For
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Regular service members in the Army, RAF, or Royal Navy
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SNCOs and Officers managing pay, housing, and family commitments
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Anyone using or considering Forces Help to Buy
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Personnel who want to align service life with long-term financial goals
Next Step: Personal MOT Review
Once you’ve reviewed the guide, book your 1:1 Financial MOT call with a specialist adviser who understands military life.
We’ll help you review your current position, close any protection gaps, and plan your next steps.
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I’ve built my reputation fixing these problems for serving personnel, veterans and their families.
Hi, I’m Stu, a regulated insurance broker and SIIAP-approved adviser.
For years, I’ve helped serving personnel, verterans and their families make sure their cover won’t let them down.
This guide shares what I wish every person understood before they ever bought a policy.
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