Financial coaching
care for you and your future self
Partner with an expert financial planning coach to fast-track your goals while balancing your present and future self.
Gain knowledge and strategies to take control of your financial future, with tailored support and no hidden fees.
Coaching Map
1. Base-camp Foundation
For beginner investors who want to start fast, or those bringing their portfolio under control
Begin Investing explore if you should be saving or investing, budget with permission for fun, guided first steps
Crush your costs and keep more of your money
Simplify your portfolio for low stress investing
2. Ascent Strategies
On a strong base we move into longer-term strategy towards financial freedom
Retire On Time by forecasting your path and adjusting
Retire Earlier for those impatient mountaineers who want to attack the climb
Annual Ascent if you prefer a guide along the way
3. Freedom Summit
You are almost there! Prepare for life at freedom summit both financially and emotionally
Summit Steps support during those last few steps which are the most treacherous
Chill Peak confidence to go ahead without doubts, handling the mental switch to guilt-free spending
+ Holistic and behavioural coaching throughout
Avoid common pitfalls | Trust your plan | Reduce financial anxiety | Positive behaviours | Sounding board | Financial education | Life events
Packages run at your pace including one-to-one sessions, tools & templates, illustration reports, and guidance while taking action
Base-camp Foundation packages
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Begin Investing
You are not yet investing, perhaps due to barriers of knowledge, fear, or uncertainty. You may have a small company pension which is a mystery.We explore whether you are at the right point to begin investing, or budget together first.
We discuss the risks of investing vs. the risks of doing nothing, and you will begin investing confidently.
For new investors with portfolio below £20,000!
£350
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Cost Crusher
Hidden or seemingly small percentage costs cause serious drag on your investment growth.You have ISAs or Pensions with expensive legacy providers, and want to save substantially on investment fees to hit your goals much sooner.
We take advantage of cost-effective but equally performing investments and platforms.
If you save less than the package cost we will refund the difference!
£600
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Investment Simplifier
You feel the weight of decisions and constantly check your accounts.Or perhaps feel confident but your portfolio has become complex over time and could benefit from simplification and a plan to avoid emotional decisions.
We explore the efficient market hypothesis and strategic asset allocation techniques, setting guidelines you feel confident to follow through all market conditions without tinkering, and craft a low-maintenance portfolio.
£600
Ascent Strategy packages
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Retire On Time
You are happy with traditional retirement age but unsure if on track.We deep dive your situation, goals and priorities. Review assets, expenditure and income levels you may need in retirement.
We illustrate how you’re tracking today, considering inflation and discussing risk and reward.
Determine corrective actions or opportunities to optimise (particularly tax!), ensuring your portfolio matches your plan, backed by a cashflow model with stress test.
£800
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Retire Earlier
You want financial freedom to retire early or switch to a passion project.Includes everything in Retire On Time plus extra focus on levers you can pull to retire earlier, exploring What-If.
We challenge the income you need in retirement, addressing common calculation mistakes and maxing tax allowances.
On the upside we coach salary negotiation, then set an aggressive automated plan, while also coaching on motivations to stay consistent!
£975
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Annual Ascent
Get 12 months ongoing coaching support. Refresh annually if you find value or take a break and come back anytime!6-monthly check-ins exploring changes to your personal or financial goals and their impact: Retiring sooner/later, part-time work, family changes, market factors, the UK Budget!
Holistic coaching reinforcing positive behaviours and habits, holding you to account, avoiding emotional reactions to the media or markets!
Quick questions via Email and WhatsApp
£800
Freedom Summit packages
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Summit Steps
Those final steps to the summit are the most treacherous.You’re going well however have more to lose if the market misbehaves, with less time to recover.
We review your risk capacity and consider milestones such as retirement, private pension, state pension. Then discuss adjusting your portfolio to match these timelines for a smooth final ascent.
Recommended 5-10 years away from retirement
£800
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Chill Peak
You made it!Avoid One-More-Year syndrome and feel assured you can afford this.
We educate to build confidence in your plan while coaching the mindset shift from accumulation to decumulation, forecasting to illustrate cashflows.
We handle the logistics to enter part or full-time retirement such as balancing annuities and a sustainable drawdown portfolio using a floor and upside strategy.
£800
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Legacy Preserver
It’s rarely too soon to consider legacy and estate planning.Ensure you make the right choices now to minimise inheritance taxes.
We educate briefly on inheritance tax, assessing your situation to determine if your estate is likely to become taxable, either now or in future!
We explore mitigation actions, and coach on giving with a warm heart over a cold hand!
£800
Schedule a free initial call
Arrange a brief call about what you wish to achieve, where we will confirm if financial coaching is suitable for your goals, and recommend the best package to begin.
Contact
Interested in working together? Just a quick question? Or you simply prefer email?
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