Some 'what to do' advice please

Inadilemma

Morning All, I'd be grateful for any advice please. I currently have 14K sitting in a First Direct Savers account which is basically sitting still and I'd like it to start working a little harder, just not sure where to go.
Pension wise I'm okay I think - I have 16 years of a final salary pension banked (this has now closed) and am now in a standard company scheme of which 21% is paid in.
I have a mortgage of 185K 2.49% of which the 14K offsets, plus I also have around 65K of shares in various funds/schemes.
I've also been in my current job for almost 20 years so would expect a reasonable payout in the event of them no longer requiring my services.
I'm 40 BTW, married with 2 kids.
Many thanks

atush

is the 65K in equities in S&S isas? If not, move them over, you have a 30K allowance with your spouse.

How is your spouse set for pension? If not, that needs addressing.

Do you have monthly savings to add?

The 14K is a good emergency pot and is offsetting so getting 2.49% in effect. I don't think i'd move this as you might need it in an emergency. Ongoing, i'd put more into S&S isas if you have any allowance left.