What is financial wellbeing?

Financial wellbeing can mean different things to different people.

At Arbuthnot Latham, we believe it is more than just the sum total of your wealth. It also encompasses your knowledge, awareness, confidence, and overall financial resilience.

As a relationship-led bank and wealth manager, we play a crucial role in supporting our clients' financial wellbeing and helping them look forward with confidence.

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What does financial wellbeing mean to you?

Creating financial wellbeing is similar to developing our physical or mental wellbeing. It takes time, effort, and ongoing support and guidance.

While technology has democratised access to financial education and time-saving tools, we believe that having access to an expert who understands your financial requirements and future aspirations, can be invaluable for giving you long-term confidence in your money.

Over recent years, various global and domestic events have had an impact on everyone’s financial wellbeing. The covid-19 pandemic, conflicts in Ukraine and the Middle East and the ensuing economic volatility have contributed to the cost-of-living crisis.

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The big picture

We wanted to understand more about how people are feeling about their money.

Our Financial Wellbeing report [1] seeks to assess the national mood, and explores a number of areas including:

  • The state of the nation
  • Planning for the future
  • Next generations
  • Getting financial advice
  • Financial fraud

Our survey uncovered the true extent of the nation’s financial concerns:


Nearly 90% of people are worried about the state of the economy.


Just 30% of people would consider speaking to their bank about their financial wellbeing during a significant life event.


Four in five people say they are worried or stressed about their own finances.


One in four have been the victim of fraud.

Helping you go further

The good news is that where there are concerns or problems, there are also solutions. We work with our clients to create a long-term financial plan, designed around their specific needs. Our aim is to support and empower them to take ownership of their financial wellbeing.

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Take control of your financial wellbeing

Our research has shown that wealth alone does not equal financial wellbeing. Knowing you have an expert to support your journey can give you peace of mind and ensure you are on track to meet your financial goals.

Speak to us to today by completing our enquiry form or calling us on the number below.

+44 (0)20 7012 2500

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Read more about Financial Wellbeing


New research reveals the extent of UK’s financial anxieties

Research carried out by private and commercial bank, Arbuthnot Latham, reveals that financial security doesn’t necessarily equal financial wellbeing, as members of the UK’s more affluent population reveal their main concerns.


How do you achieve financial wellbeing?

Following our exclusive research into the extent of the UK’s financial anxieties, Kevin Barrett, Managing Director, Private and Commercial Banking offers his tips on achieving financial wellbeing.


Millennials lead the way with retirement planning

Our exclusive wellbeing research highlights some big knowledge gaps for those planning for retirement. But Millennials are the most engaged group with their retirement planning.


Making difficult conversations more simple

Three quarters of people do not think the next generation will be better off, but only 14% regularly discuss money and inheritance with descendants.


[1] We partnered with Atomik Research to conduct this survey of more than 500 UK residents with a net worth of at least £100,000 [2], which took place between 30 November and 5 December 2023. Atomik Research is an independent market research agency that employs researchers certified by the Market Research Society (MRS) and abides to the MRS code.

[2] 60% of respondents have a net worth (excluding property assets) of between £100,000 and £499,000, and 40% have at least £500,000.