Budgeting, savings, protection, retirement and investing — brought together in a single, prioritised plan you can read in an evening and follow for years.
Most financial decisions are made one at a time: a savings account opened here, an insurance policy bought there, a loan taken because the offer arrived at the right moment. Each choice can look sensible alone and still work against the others. Money sits idle in one place while expensive debt grows in another. Retirement savings get paused to fund a goal that could have been planned for years earlier.
A comprehensive financial plan fixes that by looking at everything together. We map what you earn, own, owe and want, decide the right order of priorities, and turn it into specific monthly actions. The result is not a thick report you never read — it is a short, practical document that tells you exactly what to do this month, this quarter and this year.
We track three months of real income and spending to build a monthly plan that reflects how you actually live. Fixed costs, flexible spending and savings are separated so you can see at a glance what is negotiable. Many clients find a meaningful share of spending they are happy to redirect once it is visible.
Every goal gets a name, a target amount and a date — a home deposit, a child’s education, a sabbatical, early retirement. We calculate the monthly contribution each goal needs and rank them so that competing priorities are resolved deliberately rather than by accident.
We review emergency savings, health cover, life cover and income protection against what your household would actually need if something went wrong. We explain gaps and options in plain language. We do not sell insurance, so our only interest is whether your cover is adequate and fairly priced.
We estimate what your retirement could cost, how existing pensions or provident savings contribute, and what you need to add each year. You will see the effect of starting earlier, retiring later or saving a little more — so you can choose the trade-off you are comfortable with.
For money you will not need for at least five years, we set a goal-based asset allocation, check costs and diversification, and write down simple rebalancing rules. The aim is a portfolio you understand and can stick with when markets get noisy.
We make sure nominations, beneficiaries and key documents are in order and that the people who depend on you know where to find them. For wills and legal structures we work alongside your lawyer rather than replacing them.
Your plan is delivered as a clear written document and walked through with you in a dedicated session, so every recommendation makes sense before you act on it.
We talk through your situation, goals and concerns, and agree the scope and fee in writing.
You share statements, payslips and policy details using a simple checklist we provide.
We build your money map, test scenarios and draft recommendations.
We walk through your plan together, answer questions and refine priorities.
Two scheduled reviews to check progress and adjust for anything that has changed.
Can’t find your answer here? Our full FAQ covers fees, privacy and how we work.
Most plans are completed within four to five weeks of the discovery conversation, depending on how quickly documents are shared. Urgent issues, such as an expensive debt or an approaching deadline, are addressed straight away rather than waiting for the full plan.
No. Planning is often most valuable when money feels tight, because every decision matters more. We work with a wide range of incomes and adjust the depth of the plan to your situation.
We do not hold or manage client money. You stay in full control of your accounts. We give you the plan, explain each step and support you while you carry it out.
Many clients move on to ongoing coaching with quarterly reviews and an annual refresh. Others prefer to come back only when life changes. Both are completely fine.
Book a discovery conversation and see exactly what your plan would include.
