Making Money Financial Adviser Explains How to Get Ahead in 2026
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Jan 5, 2026 Lisa Conway-Hughes, a financial adviser and founder of LCH Wealth, shares her expertise on building wealth and retirement strategies. She emphasizes the importance of prioritizing employer pension contributions at a young age and savvy savings methods. Lisa delves into the pros and cons of buying versus renting, the essentials of salary sacrifice, and how to model retirement scenarios in today's uncertain pension landscape. She also offers practical advice for teaching kids about money and managing emotional aspects of financial planning.
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Prioritise Pension Then Emergency Fund
- Keep paying into your workplace pension and take full employer match as a first priority.
- Build a 3–6 month emergency fund next and then focus on a house deposit based on your realistic time horizon.
Match Savings Vehicle To Deposit Time Horizon
- If saving for a deposit is a long multi-year project, decide whether to keep funds in cash for short horizons or invest for 5–10 years to chase growth.
- Discuss possible family help early so you can plan realistic time horizons and asset choices.
Do The Maths For Local Housing Affordability
- A £40k salary typically allows a maximum mortgage of about five times salary, roughly £200k.
- Research which areas fit that budget and don't rely on assumed family help when planning a deposit.