Coaching

Opening Questions to Reflect On

What truly matters to you in life?

What does a fulfilling life look like to you?

Who do you aspire to be?

What do you want to achieve?

What role does money play in your life?

What does retirement mean to you?


Thinking About Retirement

Are you looking forward to retirement, or does it feel daunting?

Have you planned and mapped out your retirement?

Are you already retired?


Evaluating Your Current Support

Do you currently have a Financial Adviser or Wealth Planner?

How much do you pay them each year—and do you know for certain?

Do you feel they provide value for money?

Do you still need their services for what they offer and what you are paying?

Clarity

Our primary goal is to bring you clarity—both in your life and your finances. By understanding what you have and what you could achieve, you will gain the confidence to make informed decisions about your retirement, how you spend your hard-earned wealth, and how to enjoy it without fear of running out of money.

As your Coach, I will:

  • Take an independent, top-down view of your current finances, offering a fresh perspective.


  • Help you establish realistic, meaningful goals.


  • Suggest ways to maximise tax-efficient investments within your portfolio.


  • Guide you in understanding investment risk.


  • Work with you to develop your personalised financial action plan.


  • Organise two coaching, planning, and progress meetings each year.


  • Be available throughout the year for ongoing contact, through whatever communication method suits you best.


  • Provide coaching and accountability around your financial decisions.


  • Refer you to a regulated/authorised adviser or solicitor if specialist financial or legal advice is needed (e.g., pension transfer advice, wills, or estate planning).

As your Coach, I will NOT:

  • Provide specific product recommendations.
  • Introduce you directly to any investment provider.
  • Offer regulated investment or product advice.
The Result

Maintain the lifestyle you deserve with confidence.

Live comfortably within your means without unnecessary stress.

Plan how many holidays you can enjoy each year without worry.

Understand how much you can spend to support and enjoy your life with your family.

Discover whether you can afford to treat yourself more often.

Know how much you can give away to support the people or causes that matter most to you.

Sleep peacefully at night and feel happier and more secure during the day.

Working Together

We will work collaboratively to establish:


  • Where you are now: Gaining clarity on your current financial and life position.
  • Where you want to be: Identifying your goals and ambitions.
  • How to get there: Determining the consistent actions needed to move from A to B.
  • What drives you: Understanding what motivates you to start and stay on track.
  • Your priorities:
  • The ‘must-haves’—what is essential to you.
  • The ‘would-love-to-haves’—what would bring additional fulfilment.
  • Why these matter: Exploring the importance of your goals and priorities.
  • Your past successes: Reflecting on what has worked for you before when achieving your goals.
  • Potential obstacles: Identifying challenges that could get in the way.
  • What makes your goals real: Understanding what makes your ambitions meaningful.
  • Your roadmap: Creating actionable steps to help you achieve your goals.
Your Commitment
  • Your time, enthusiasm, and honesty.
  • Your frankness, openness, and willingness to engage.
  • Your enjoyment of our working relationship.
  • Meeting and responding to my requests.
  • Remembering to laugh, cry, and enjoy the journey we take together.

Before we begin, an initial complimentary discussion is required. This is best held face-to-face. This is our opportunity to introduce ourselves, explore the potential benefits of working together, and decide if we are the right fit for each other.

My Fee
  • Monthly Retainer: £175.00 per month, payable by standing order.
  • Minimum Commitment: 12 months.
  • No VAT and no initial fee.
  • One-Off Projects: Considered on a case-by-case basis at an hourly rate.


That’s it—no hidden fees.


Additional Costs (If Applicable):

You may incur platform, investment management, legal, or other fees, but these are entirely your choice and independent of my services.

Getting started

First Steps

The journey begins with a structured process designed to give you clarity, confidence, and a clear financial roadmap.

1. Understanding Your Financial Position

To provide meaningful guidance, I need a comprehensive view of your current financial position. You will provide details of your:


  • Assets (property, cash, investments, etc.)
  • Liabilities (loans, mortgages, debts)
  • Income (salary, pensions, rental income, etc.)
  • Expenditure (monthly and annual spending)
  • Pensions (State, personal, and occupational)

Additionally, you will supply copies or details of:


  • Your Will – Do you have one in place?
  • Lasting Powers of Attorney – Are they set up?
  • Potential inheritances – Are you likely to receive any?
  • Life cover or critical illness policies – What protection do you have?
  • State Pension forecast – You can check yours here.

2. Discovery Meeting

We will arrange a Discovery Meeting to explore:


  • Your personal and financial goals.
  • What truly motivates you.
  • The key drivers behind your decision-making.

Using the insights gathered, I will prepare a summary of your current financial position, along with a forecast showing how likely you are to achieve your goals.

3. Understanding Your Risk Level

To help tailor your plan, I can provide:


  • An expenses questionnaire – Helping to assess your current and future spending.
  • A risk assessment questionnaire – Identifying the level of risk you are comfortable taking.
  • Income and asset spreadsheets

We will then discuss the level of risk you need to take to reach your financial goals effectively.

4. Your Action Plan

I will create a personalised action plan, detailing the key steps I believe you should take. This plan will:


  • Provide a roadmap for achieving your goals.
  • Show how likely you are to succeed if you follow the recommended steps.

This initial process typically takes 4 to 8 weeks to complete. By the end, you will have:


  • ✅ A clear financial plan.
  • ✅ Defined goals with actionable steps.
  • ✅ Greater confidence in managing your expenditure, savings, and investments.

Follow-Up and Accountability


A follow-up session will be arranged to:


  • Review your experience and progress.
  • Discuss actions taken so far.
  • Provide further guidance to keep you on track.

Accountability is key—this follow-up often makes the difference between action and inaction.


At the end of this process, you will have greater clarity over your financial position, a structured plan for the future, and the confidence to make informed decisions with your wealth.

Ongoing Support

As your Coach, my role is to help you stay on track, adapt to changes, and ensure your plan continues to work for you.


  • We will have at least two coaching, planning and progress meetings each year.
  • I will be available throughout the year via email, phone, WhatsApp, and text to address any concerns or questions you may have.


It is essential to regularly review your investments, ensuring they continue to:


  • Align with your attitude to risk.
  • Take full advantage of tax-efficient opportunities.
  • Keep you on track towards and through retirement and beyond.


My job is to provide guidance, structure, and accountability—helping you to achieve your goals and financial objectives in the best way possible.


If you have any questions, please get in touch.

And Finally… Where Should You Invest Your Money?

The choice is entirely yours. You may already have investments in place, and if you are happy with them, I am not here to change what is working for you.


However, if you would like a sounding board or a second opinion on your options—particularly when exploring DIY investment platforms—I am happy to share my thoughts. That said, I will not make any specific recommendations. Where and how you invest remains entirely your decision.


There are many investment options across different asset classes, including:

  • Cash & National Savings
  • Stocks & Shares
  • Bonds
  • Property


…and more. My role is to help you think strategically, ensuring your choices align with your goals and risk comfort.

Ready to get started?