Celebrating Armed Forces Day: The Importance of Financial Advice for Our Heroes

Colourful military parade celebrating Armed Forces Day, showcasing uniformed personnel marching in formation


As we approach Armed Forces Day on 29th June, it’s a time not only to honour our service members, veterans, and their families but also to acknowledge the unique financial challenges they face. The demands of military life, including frequent relocations and deployments, can make financial planning especially complex.

The Value of Specialised Financial Advice

Members of the armed forces, veterans, and their families encounter unique financial situations that require specialised advice. From navigating the intricacies of the Armed Forces pension schemes to securing mortgages that accommodate a transient lifestyle, tailored financial guidance is crucial.

Understanding Armed Forces Pensions

Pensions are a significant aspect of military benefits but understanding them can be daunting. As recently highlighted in a Daily Telegraph article where Mather & Murray Financial director, Samuel Mather-Holgate was quoted, the Armed Forces pension scheme is both robust and complex. You can read the comprehensive article on the Armed Forces Pension scheme HERE.

Why Financial Advice Matters

  1. Security Amidst Uncertainty: Military life is unpredictable. Having a solid financial plan can provide stability and peace of mind for service members and their families.
  2. Benefits Optimisation: Many armed forces personnel are not fully aware of all the benefits available to them, including special insurance policies and tailored investment strategies.
  3. Retirement Planning: Understanding and planning for retirement with military pensions requires expert insights to maximise benefits over the long term.
  4. Education and Family Planning: Financial advisors can help military families plan for future expenses, including education and childcare, essential for long-term financial health. It is important that the right protection is in place and that is pays out whatever the circumstances. Some insurers will not pay out if you are on deployment, whilst other have a no war-zone exclusions.

The Benefits of Expert Guidance

Working with an independent financial advisor who is well-versed in military benefits can make a significant difference. They can provide:

  • Personalised Advice: Tailored strategies that consider both short-term needs and long-term goals.
  • Expertise on Military Benefits: Detailed knowledge of military pensions, allowances, and other benefits. Ensuring you have the right level of protection in place, from kit to life insurance that pays out when you need it.
  • Support During Transitions: Guidance during key life transitions, such as from active duty to civilian life or when planning for retirement.


On Armed Forces Day, and every day, we recognise the sacrifices made by our military personnel and their families. Ensuring they have access to the best independent financial advice is one way we can give back and provide support. Whether you are actively serving, a veteran, or a family member, consider how specialised financial advice could enhance your financial security and future.

If you or a loved one serve in the armed forces and could benefit from expert independent financial advice, contact us today. You can book a call back to speak with our of our experts from our head office in Swindon, or arrange an appointment for one of our qualified, experienced, independent financial advisers to see you at your home or barracks.

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