Recommendations for one-off financial / tax advice?
My partner (28) and I (31) both earn just over £100,000 (I earn £104,500 with little to no chance of bonus; partner earns £108,000 with an annual bonus ranging from 5%-30% depending on hours billed for the previous year (usually 10% or 20%)).
Neither of us come from a well-off background and so knowledge of the best investment / financial strategies is not our strong point!
We are considering seeking out some general financial advice on our current situation, specifically regarding tax-efficient investment planning for the future.
Additional info, in case it's useful:
- We have an outstanding mortgage amount of £460,000
- We both have student loans balances of around £20,000+ each
- We have a shared balance of around £8,000 on a 20-month 0% purchase credit card (used for flat renovations and wedding deposit) which we are paying off monthly
- We are getting married in 2026 and are saving for this monthly
- We both pay enough into our workplace pensions for max employer contribution (I pay 5%; partner pays 9%)
- I max out a Vanguard S&S ISA yearly (global tracker fund); partner currently does not invest into a S&S ISA, but will be aiming to start soon
- Neither of us invest into a SIPP
Can anyone recommend any good (and preferably one-off and/or lower cost) financial advisory services, primarily focusing on tax efficient use of workplace pension, SIPP and S&S ISAs etc.?