{"id":23322,"date":"2025-10-09T13:22:27","date_gmt":"2025-10-09T13:22:27","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/why-you-need-a-financial-mot\/"},"modified":"2026-05-26T18:18:51","modified_gmt":"2026-05-26T18:18:51","slug":"why-you-need-a-financial-mot","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/why-you-need-a-financial-mot","title":{"rendered":"Why you need a financial MOT"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Just like your car, your finances need regular maintenance to help ensure optimum performance. Even if you have a solid financial plan in place, it still needs to be updated from time to time to ensure it reflects any life changes and takes into account any changes in legislation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are just some of the reasons why a financial MOT is important.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-to-rebalance-your-portfolio\">1. To rebalance your portfolio<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lot can happen in 12 months. If your portfolio isn\u2019t closely monitored, your <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/investment-management\" class=\"link-underline\">investments<\/a> will need to be revisited. Some investments might be underperforming, while others might be doing so well that it could be time to take profits; it is usually wise not to become over-exposed in a particular company, sector or region. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Overall, however, it is a matter of making sure your portfolio still reflects your attitude to risk, your time horizon, and your goals. This can be complicated and is generally best left to the experts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-to-protect-what-matters-most\">2. To protect what matters most<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You might have <a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-protect-your-familys-financial-future\">insurance policies<\/a> in place to help you and your family cope with the financial upheaval that illness or death can bring. This may include income protection, life insurance and critical illness cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reviewing these policies regularly is important. If you\u2019ve had a pay rise, for example, you might need to increase the amount of income you\u2019re insuring. And if you\u2019ve increased your mortgage or made overpayments, you might need to increase or decrease your life insurance cover accordingly. Reviewing your protection will help to ensure your family is protected should the worst happen to you, and that you\u2019re not overpaying for any types of cover.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-to-check-your-retirement-savings-are-on-track\">3. To check your retirement savings are on track<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A financial MOT will help you understand whether you\u2019re on track for a comfortable and fulfilling retirement. If it looks like you\u2019re facing a shortfall in your savings, this could be a good time to top up your pension. Using your pension <a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/understanding-your-pension-annual-allowance\">annual allowance<\/a> each year will help you maximise the amount of pension tax relief available to you. The combination of tax relief and <a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/what-does-compounding-do-my-investments\">compounded investment returns<\/a> over time could make a big difference to the size of your pension at retirement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-to-invest-more-tax-efficiently\">4. To invest more tax efficiently<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are a whole host of other tax reliefs and allowances that could help you invest more tax efficiently. For example, you can invest up to \u00a320,000 a year in&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/four-reasons-to-invest-in-an-isa-this-year\">ISAs<\/a>&nbsp;to benefit from tax-efficient income and potential growth. Meanwhile,&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-save-for-your-child-with-a-junior-isa\">Junior ISAs<\/a>&nbsp;let you invest up to \u00a39,000 a year per child; this could grow into a significant pot of money over time, perhaps helping your child pay for&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/saving-university-it-pays-start-early\">university<\/a>&nbsp;or a deposit on their first home. Other allowances include the&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/ten-ways-reduce-your-cgt-liability\">capital gains tax<\/a>&nbsp;exemption, dividend allowance and personal savings allowance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A wealth manager can help you use your tax allowances effectively so that more of your money goes towards your future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-to-juggle-competing-financial-goals\">5. To juggle competing financial goals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether it\u2019s school fees planning, helping your kids with a house deposit, or saving enough for your own retirement, it\u2019s all a drain on the family finances. At the same time, you might find yourself caring for elderly relatives whose health may be deteriorating. Even if you have a relatively high income, juggling all these competing financial priorities can be difficult. Having a robust financial plan that adapts to your needs over time is critical.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding how to rebalance your portfolio, invest tax efficiently and build a resilient retirement pot isn\u2019t easy on your own \u2013 and that\u2019s where getting some\u00a0<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/financial-planning-and-advice\">financial<\/a> and\/or tax advice\u00a0can help. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A wealth manager can build a robust financial plan that is tailored to your individual circumstances, and review it regularly to make you more confident it still suits your needs and goals. Find out more from our dedicated support team by calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n<table align=\"center\" border=\"0\" cellpadding=\"10\" cellspacing=\"1\" style=\"width: 90%\">\n<tbody>\n<tr>\n<td>&nbsp;<\/td>\n<td>&nbsp;<p><\/p>\n<hr><\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\n<td>\n<h5>Get financial planning tips straight to your inbox<\/h5>\n<p>Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n<p><strong><a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/subscribe-to-our-newsletter\">Subscribe<\/a><\/strong><\/p>\n<hr><\/td>\n<td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;<\/td>\n<td>&nbsp;<\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your finances need regular maintenance to ensure optimum performance. Here are some tips to keep things running smoothly.<\/p>\n","protected":false},"author":97,"featured_media":12009,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[193,195],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[768,769],"rbcwm_segment":[772],"rbcwm_solution":[758],"rbcwm_topic":[757],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-23322","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-wealth-planning","rbcwm_need-grow","rbcwm_need-secure","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-wealth-planning","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"Your finances need regular maintenance to ensure optimum performance. Here are some tips to keep things running smoothly.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":"","rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":3,"rbcwm_enable_toc":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why you need a financial MOT | RBC Wealth Management United Kingdom<\/title>\n<meta name=\"description\" content=\"Just like your car, your finances need regular maintenance to ensure optimum performance. 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