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Introducing our My Money Life timeline!

Where are you on your financial journey?

How to use this timeline:

  • We've broken down financial planning by different life stages - from early adulthood to retirement.

  • Have a think about which life stage might apply to you*.

  • Click on the 'Find out more' links to be directed to our detailed guide for each life stage, where you can discover our top tips on financial planning and how digital advice can help you.


This timeline is by no means prescriptive. We know many people won't get a mortgage in their 20s and 30s, especially if they live in London. And some people may not start a family or get married until they're older than this, if at all. But wherever you are on your life journey, you may still benefit from professional financial advice. And now, thanks to digital advice, you don't have to pay the earth, wear a suit or even leave your home, in order to get it.

Millions of you could benefit from digital advice

Our latest Advice Report shows that less than a quarter of UK investors receive financial advice. Unfortunately, for most of us, it's either too expensive or you don't know where to find it. You're not alone! About 13.2 million UK adults now fall into this category – or what we call the 'advice gap'. But about half of you (£6.3 million) say you'd prefer to receive digital advice. 

But what is digital advice?

You could think of digital advice as the half-way house between traditional financial advice and doing it yourself. Not everyone wants or can afford the traditional route, so that’s when digital steps in. Don’t be fooled by the name; many digital advice providers have humans to help you through your journey! For example, they can give you holistic advice or reassurance about your retirement plan, budgeting ideas, and advice on how to make sure you don’t run out of money during your retirement.

About the Digital Advice Group

In 2021, our Boring Money CEO and Founder, Holly Mackay, co-founded the Digital Advice Group (DAG) to help tackle the growing advice gap in the investment sector. The other founders were abrdn, Destination Retirement, Vanguard and Netwealth, all of whom offer digital advice services today.

Prefer to compare digital advice providers directly?

Browse our Digital Advice table here to find the right service for you.

Not sure if Digital Advice is right for you?

Click here to learn more and see how it compares to Traditional Advice and Financial Coaching.