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Planned Future

Talk Money Week 2026

Talk Money Week 2026

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Money affects almost every part of our lives, yet talking about it can still feel uncomfortable. From managing household bills and paying off debt to saving for a first home or planning for retirement, financial worries can be difficult to share.

That is why Talk Money Week, taking place from 2nd – 6th November 2026, is such a valuable opportunity for employers to start conversations about money and support the financial wellbeing of their teams.

Organised by the Money and Pensions Service, this year’s theme is ‘It All Counts’. The message is simple: small, manageable actions can make a meaningful difference to our financial confidence and resilience.

For employers, Talk Money Week is an opportunity to show employees that their financial wellbeing matters.

You do not need a large budget or a complicated programme to get involved. A few practical activities can help people access useful information, build confidence and take positive steps towards their financial goals.

Here are three ways your organisation can mark Talk Money Week 2026.

Talk money week 2026: two women talking at a desk

1. Run a financial wellbeing webinar

A financial wellbeing webinar is a straightforward way to give employees access to practical information, wherever they work.

Money can be complicated, and it is not always easy to know where to start. A webinar gives employees the opportunity to learn about important financial topics in an accessible, supportive environment.

Depending on your team’s needs, you could cover subjects such as:

  • Money essentials, what school didn’t teach you: budgeting, household bills and making money go further.

  • Understanding pensions: how workplace pensions work, the value of contributions and planning for the future.

  • Savings and investing: building financial resilience and understanding the basics of investing.

  • Mid- Career Planning: setting goals and making informed decisions at different life stages.

  • The Cost of Living: practical ways to manage spending, prioritise essential costs and find support.

At Planned Future, we deliver financial wellbeing workshops and webinars designed to help employees develop the knowledge and confidence to make informed financial decisions.

Sessions can be tailored to your workforce, making them relevant to employees at different stages of life and with different financial priorities.

How Planned Future can help: We can help you choose a suitable topic, deliver an engaging session and give employees practical information they can use beyond Talk Money Week.

2. Run an anonymous employee financial wellbeing survey

Before deciding which financial wellbeing initiatives to introduce, it helps to understand what your employees actually need.

An anonymous financial wellbeing survey can give HR teams valuable insight into the financial pressures, knowledge gaps and support employees would like their employer to address.

For example, you could ask employees how confident they feel about managing their money, whether they understand their workplace pension, or which financial topics they would find most useful.

Questions could explore:

  • How confident are you about managing your day-to-day finances?

  • Do you feel able to cope with an unexpected expense?

  • How confident are you about understanding your pension?

  • Which financial topics would you like to learn more about?

  • What financial wellbeing support would you find most useful from your employer?

Keep the survey anonymous and explain clearly how responses will be used. Avoid collecting names or other identifying information, and be mindful that small teams or highly specific questions can make individuals identifiable.

The aim is not to ask employees to disclose sensitive personal details. It is to identify common themes and understand where better information, education or support could make a difference.

The results can help you prioritise future workshops, improve employee communications and build a financial wellbeing strategy based on evidence rather than assumptions.

How Planned Future can help: We can help you develop an anonymous survey, identify the topics your employees want support with and use the findings to inform your financial wellbeing programme.

Talk Money Week can be the starting point for a longer-term approach, rather than a single event in the calendar.

We run our own financial wellbeing research and the results are eye-opening. For example, less than a quarter of UK workers rate their financial literacy as good or very good and 77% worry about their finances at least once a month. 

3. Give employees the opportunity to talk to a Money Guide

Sometimes, employees need more than general information. They may have questions about their own circumstances and be unsure where to turn for help.

Offering employees access to a Money Guide can provide an opportunity to discuss financial questions in a supportive setting and explore the information or resources that may help them take their next step.

Employees might want to understand their pension options, improve their budgeting, find guidance on debt, or think about longer-term financial planning.

Providing access to appropriate guidance can help employees feel more informed and confident about their choices. It can also help them identify when they may need specialist advice or other forms of support.

It is important to give employees a confidential and comfortable environment in which to ask questions, without pressure to share their circumstances with their employer.

How Planned Future can help: Planned Future offers Full-Day Financial Wellbeing Clinics, giving employees access to one-to-one sessions with an FCA-regulated Financial Adviser. These sessions can help employees explore their questions and understand the next steps available to them.

Also, with any wellbeing workshop booking, attendees can claim a FREE 1-2-1 follow up meeting with either a Money Guide or Financial Adviser. 

Make Talk Money Week the beginning, not the end

Talk Money Week provides a useful prompt, but financial wellbeing should not be limited to one week a year.

Employees’ needs change throughout their working lives. Someone starting their career may need help understanding pensions and managing their first salary, while someone approaching retirement may have very different questions about savings, income and their future plans.

A sustained approach to financial wellbeing can combine education, accessible resources and opportunities for employees to seek further support when they need it.

For HR teams, this could mean offering a programme of workshops throughout the year, providing access to an employee financial wellbeing portal, or making financial education available through eLearning. Gathering feedback regularly can also help you understand what is working and where further support is needed.

Most importantly, employees should feel that financial wellbeing is something they can talk about openly, without embarrassment or judgement.

This year’s Talk Money Week theme, ‘It All Counts’, is a reminder that progress does not have to happen all at once. One conversation, one new piece of knowledge or one positive financial action can be a useful place to start.

How will your organisation mark Talk Money Week 2026?

At Planned Future, we help employers support their people through practical financial education, workshops, webinars, one-to-one clinics and digital resources.

Whether you want to run a single event for Talk Money Week or develop a more comprehensive financial wellbeing programme, we can help you identify an approach that works for your workforce.

Further information: Talk Money Week runs from 2–6 November 2026. Find resources and ideas for taking part through the Money and Pensions Service and MoneyHelper’s Talk Money guidance.

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FREE DOWNLOADABLE GUIDE

2026 Employee Financial Wellbeing Strategy

Planned Future are workplace wellbeing experts and our 2026 Employee Wellbeing Guide is designed to help you improve outcomes, increase awareness and unlock better performance across your workplace. What’s included:

  • 12-month roadmap with examples
  • How to provide on-demand information, guidance & signposting
  • Measurable data – what to track
  • Employee feedback opportunities
  • Plus much more
 
Complete the form for instant access to your 2026 Employee Financial Wellbeing Guide

Money Guide Service Terms and Conditions

Please read and accept the Terms & Conditions by completing the form at the end of the document. 

  1. INTRODUCTION

This agreement sets out the terms under which our Services are to be provided.

Planned Future Wellbeing Ltd is a leading provider of financial guidance and education. We aim to improve financial literacy for individuals whatever their financial circumstances or status and empower people to make informed, intelligent financial decisions. We offer you an initial 30-minute consultation at a fixed fee which is notified to you at the time of booking. Following our initial discussion, should you decide to book further appointments, the cost for our services is set out in the applicable Email Confirmation.

  1. DEFINITIONS

“Ad Hoc Support” means Services that are provided to you on an individual engagement basis.

“Email Confirmation” means an email exchange between you and us to confirm the Services to be provided by us to you.

“Initial Period” has the meaning given to it in clause 4.

“Ongoing Support” means Services that are provided to you on a subscription period basis.

“Planned Future”, “we”, “our” or “us” means Planned Future Wellbeing Ltd (company number 09367736).

“Privacy Policy” means Planned Future’s privacy policy which is set out on our website here: https://plannedfuture.co.uk/privacy-policy/.

“Renewal Period” has the meaning given to it in clause 4.

“Services” means the “Money Guide” financial guidance and education services as set out in clause 3 and as more particularly described in the Email Confirmation.

“You” and “your” means a client user of the Services.

  1. OUR SERVICE

We will provide financial guidance and education services to you. Financial guidance and education is the process of providing information, signposting, guidance and considering your options on a wide range of financial issues. Our service is impartial. We will not provide any personal recommendations and any investment and/or financial decision made by you will be yours. Where relevant, we will explain the different options available and outline the pros and cons of each. We can provide signposting information to you and provide help with using products and services that are available direct to consumers, but we do so without recommending such products or services. Where appropriate, we can at your request refer you to regulated financial advisers or legal or tax advisers . Every element of our Services is designed to empower you to make your own informed financial decisions, for example understanding your pension scheme options and considering whether you are on track to achieve your financial goals. Following your initial 30-minute consultation, we offer both Ad Hoc Support and Ongoing Support services.

  1. COMMENCEMENT aND TERM

This agreement shall commence on the date that you indicate agreement by email to an Email Confirmation and shall remain in force until terminated in accordance with the Cancellation section below.

Where you have subscribed to Ongoing Support, on the expiry of the initial subscription period (the “Initial Period”) for such Service, this agreement renews automatically for successive periods of such subscription period (each a “Renewal Period”) unless:

  • either party gives the other party not less than 30 days’ notice to terminate prior to the end of the Initial Period or Renewal Period (as applicable), in which case this agreement ends on the expiry of the Initial Period or the then-current Renewal Period (as applicable); or
  • unless terminated earlier in accordance with accordance with Cancellation Section
  1. FEES

Following your initial consultation, should you decide to book further appointments, the fees for our Services are set out in the Email Confirmation.

You must pay the fees for the Services to Planned Future within the period specified in the Email Confirmation or, if no such period is specified, within 7 days following the issue of an invoice by Planned Future.

You must pay the fees by bank transfer or by such other form of payment as agreed by the Planned Future (using such payment details as are notified by Planned Future to you from time to time).

If you do not pay any amount properly due to Planned Future under this agreement and/or an Email Confirmation, Planned Future may charge you interest on the overdue amount at the rate of 3% per annum above the Bank of England base rate from time to time (which interest will accrue daily until the date of actual payment and be compounded at the end of each calendar month).

Changes to fees

 

We may increase the fees for our Services from time to time by providing written notice to you. If you are an Ongoing Support client, where we do make changes to the fees, those changes will not affect you until your subscription is next due for renewal.

  1. ACCURACY OF INFORMATION

 

Any guidance and education provided by us will be based on the information that you give to us, so it is vital that you provide us with accurate information about your circumstances and objectives. If you provide inaccurate information to us, it could affect the suitability of the guidance and education given. You agree that we shall have no liability to you in the event that any information you provide to us is inaccurate or misleading.

  1. CANCELLATION

 

Ad Hoc Support

Where you are a user of Ad Hoc Support services, we may terminate this agreement by giving you at least 10 business days’ written notice. Where you are a user of Ad Hoc Support services, you may terminate this agreement at any time, without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any Services already provided to you. You will be liable to pay for any Services provided to you prior to termination and any fees outstanding, if applicable.

 

Ongoing Support

Where you are a user of Ongoing Support services, you may terminate this agreement at any time by simply informing us in writing. However we reserve the right to charge you for any unused credits in relation to the remainder of the Initial Period or Renewal Period, whichever is applicable. Termination is without prejudice to any Services already provided to you. You will be liable to pay for any Services provided to you prior to termination and any fees outstanding, if applicable.

  1. DISCLAIMER OF LIABILITY

Financial guidance is not an activity that is regulated by the Financial Conduct Authority, and neither we nor our directors, officers, employees or agents are regulated by the Financial Conduct Authority. Planned Future will not offer any advice that is regulated or conduct any other regulated activity, including without limitation holistic advice, simplified advice, advising on which funds to invest in, which mortgage or insurance products to purchase or whether or not to transfer a pension. This means that it is your responsibility to ensure that the actions you take as a result of our financial guidance are right for you. You will not be covered by the government’s Financial Services Compensation Scheme with respect to our Services or by Planned Future if something goes wrong.

If you require regulated services, we may at your request notify a third party of your requirements and refer you to such third party individual or organisation that offers or provides regulated financial advice. If you have more complex needs such that the Services are not suitable, then we may help you find a suitable third party adviser for such needs.

We are not responsible for any guidance, advice or recommendations given to you by a third party adviser, including any third party financial advisers you are referred to by us. If you choose to speak to a third party adviser, you will have to agree to their terms and conditions which are independent of and separate to the terms of this agreement you have with us.

Except for any liability arising from (a) death or personal injury caused by negligence; or (b) fraud or fraudulent misrepresentation; or (c) any other matter for which it would be illegal or void at law for a party to limit or exclude its liability, we exclude and do not accept any liability to you in connection with any loss or damage caused, or alleged to have been caused, directly or indirectly, by the guidance, information, signposting  or options contained, considered or referenced in the Services.

You acknowledge that you take full responsibility for your finances and well-being, as well as the finances and well-being of your family and all financial decisions now or in the future. We are not responsible for any financial decisions or funding decisions that you make, or which you fail to make. You hereby waive any and all claims against us, our directors, officers, employees and agents in relation to the Services or the consequences that may occur as a result of following the guidance, information, signposting or options given under this agreement.

 

Complaints

If you are dissatisfied with the Services we have provided, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us:

 

In writing:                 John Chadwick

Planned Future Wellbeing Ltd

Suite 3, 3rd Floor, Refuge House

Watergate Row South

Chester, England, CH1 2LE

By phone:                 +44 (0) 344 9672567

By email:                   john@plannedfuture.com

Please be assured we treat all complaints seriously and we will endeavour to respond to a complaint within thirty (30) days of receipt of the complaint.  

  1. DATA PROTECTION

To provide the Services properly, we will need to collect information about your personal and financial circumstances. We will only use your personal information to deliver the Services. Full details of what information is collected by us and how it is used can be found in our Privacy Policy. By using the Services and/or agreeing to this agreement, you accept our practices regarding personal data and how it will be treated.

We will never share your data or information with any other third party except when it is directly required to provide the Services you have requested or where you have given us explicit permission in advance.

We shall use appropriate safeguards to maintain the privacy and security of your personal data, as further outlined in our Privacy Policy.

Under data protection laws, you have the following rights:

  • You can ask us for a copy of the personal information we hold about you. We will provide this free of charge, unless your request is repetitive or excessive, in which case we reserve the right to charge you a reasonable fee.
  • You can inform us of any changes to your personal information, or of any corrections you would like them to make to any of the personal information we hold about you.
  • In certain situations, you can ask us to erase the personal information we hold about you, or object to particular ways in which we are using your personal information. Please note that we may need to retain certain information for recordkeeping purposes, to complete any Services that have begun prior to your request, or for other purposes as required or permitted by applicable law.
  • Where we are using your personal information on the basis of your consent, you are entitled to withdraw that consent at any time.
  • Where we process your personal information based on legitimate interest or the public interest, you have the right to object at any time to that use of your personal information.

You may exercise any of the rights set out in the paragraph above by writing to us (by email or by post).  For security reasons we may ask for proof of your identity before disclosing information about you, or to you, via email or over the telephone.

  1. GENERAL

 

Amendments

 

From time to time it may be necessary to amend the terms set out in this agreement. If this is the case we will write to you with details of the changes at least thirty (30) days before the amended terms take effect. Your continued use of the Services shall be deemed to constitute its acceptance of any such revised terms.

 

Communicating with you

We may communicate with you by telephone, post, email or in person. All our communications with you will be in English.

 

Miscellaneous

If any provision or part-provision of this agreement is or becomes invalid, illegal or unenforceable, it will be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If that modification is not possible, the relevant provision or part-provision will be deemed deleted. Any modification or deletion under this clause does not affect the validity or enforceability of the rest of this agreement.

 

Jurisdiction

This agreement is governed by and should be interpreted in accordance with English law and you agree to submit to the non-exclusive jurisdiction of the English Courts.

 

Legal and accounting advice

Neither we nor our directors, officers, employees or agents are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you, the client, to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us.

  1. YOUR CONSENT

 

These are our standard client terms and conditions upon which we intend to rely. For your own benefit and protection, you should read these terms carefully before indicating your agreement to an Email Confirmation. If you do not understand any point, please ask for further information.

Are you doing enough to support your employees' financial wellbeing?