Planning with purpose in 2026
| Providing for family is the strongest motivator for UK adults when it comes to financial planning. | Find a balance between what you value, what you need and what gives you a sense of purpose. | Mental wellbeing plays a vital role in financial confidence – we’re here to help you define your financial purpose. |
As we welcome 2026, it’s the perfect time for a financial reset. A new year brings renewed focus and the chance to take stock – where are you on your financial journey, and how confident do you feel about the year ahead? A clear plan can help you face the months to come with purpose and peace of mind.
What really drives financial decisions
A recent study1 has revealed that personal values are the strongest motivators for UK adults when it comes to financial planning. The top three drivers are providing for family (44%), financial independence (43%) and security (31%).
Among 25 to 34-year-olds, these motivators are even more pronounced, with 58% citing family security and 53% financial independence, making them one of the most financially goal-oriented generations.
Understanding what truly motivates you can bring clarity to your decisions, ensuring your finances align with what matters most in your life.
Finding your financial Ikigai
The Japanese concept of Ikigai – meaning purpose or ‘reason for being’ – can also apply to money. Finding your financial Ikigai means identifying the balance between what you value, what you need and what gives you a sense of purpose. When your financial goals reflect your deeper motivations, planning feels less like a task and more like a path toward fulfilment and wellbeing.
Hello 2026: A fresh financial start
Mental wellbeing plays a vital role in financial confidence. Research1 shows many people are feeling the pressure, particularly 18 to 24-year-olds and 45 to 54-year-olds, who report the lowest levels of mental wellbeing. A clear, values-based financial plan can help reduce uncertainty and build reassurance.
Whatever your goals – protecting your family, building independence, or securing your future – 2026 offers a chance to focus, plan and move forward with confidence. We’re here to help you define your financial purpose and make your goals a reality in 2026 and beyond.
1Aviva, 2025
The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated.