Our Services
Practical financial guidance tailored to your needs and goals.
We offer a range of services designed to help you gain control over your finances, make informed decisions, and build lasting financial security. Each service can be delivered on its own or combined as part of a comprehensive support package.
Budget Planning & Money Management
Learn to track your income and expenses effectively, identify areas where money is being wasted, and create a realistic budget that actually works for your lifestyle. We'll help you develop sustainable spending habits and ensure you're allocating resources toward what matters most to you.
This service includes:
- Comprehensive income and expense analysis
- Custom budget framework development
- Spending pattern identification
- Practical tracking tools and templates
- Monthly review sessions for three months
- Adjustment guidance as circumstances change
Savings & Emergency Fund Building
Establish a solid financial foundation by building an emergency fund and developing effective savings habits. We'll work with you to determine appropriate savings targets, identify the best savings vehicles for your situation, and create a realistic plan to reach your goals without sacrificing your quality of life.
This service includes:
- Emergency fund target calculation
- Savings account comparison and selection guidance
- Automated savings strategy development
- Short and long-term savings goal planning
- Income allocation optimization
- Progress tracking framework
Debt Management Strategies
Take control of your debt with a structured repayment plan tailored to your financial situation. We'll help you prioritize debts effectively, explore options for reducing interest rates, and create a realistic timeline for becoming debt-free while maintaining essential living standards.
This service includes:
- Complete debt inventory and analysis
- Interest cost calculation and prioritization
- Debt repayment strategy development (avalanche or snowball method)
- Negotiation guidance for better terms
- Payment schedule creation
- Ongoing accountability and support
Financial Health Check
Get a comprehensive overview of your current financial position and receive actionable recommendations for improvement. This service is ideal if you're unsure where to focus your efforts or want professional insight into your overall financial wellbeing.
This service includes:
- Complete financial situation assessment
- Cash flow analysis
- Debt-to-income ratio calculation
- Emergency fund adequacy review
- Written report with prioritized recommendations
- Follow-up consultation to discuss findings
Freelancer & Self-Employment Financial Planning
Managing irregular income requires different strategies than traditional employment. We'll help you smooth income fluctuations, plan for taxes, manage business expenses, and separate personal and business finances effectively.
This service includes:
- Variable income budgeting framework
- Tax planning and quarterly payment guidance
- Business expense tracking system
- Income smoothing strategies
- Profit allocation methodology
- Three-month follow-up support
Major Purchase Planning
Whether you're saving for a house deposit, planning a wedding, or preparing for another significant expense, we'll help you create a realistic savings plan and ensure you're ready when the time comes.
This service includes:
- Goal cost estimation and timeline planning
- Savings target calculation
- Monthly savings requirement determination
- Appropriate savings vehicle selection
- Budget adjustment to accommodate saving
- Progress milestone tracking
Couples Financial Planning
Money is one of the most common sources of relationship tension. We help couples align their financial values, create shared goals, and develop systems for managing money together effectively while respecting individual needs and perspectives.
This service includes:
- Joint financial values assessment
- Combined budget development
- Shared goal identification and planning
- Money management system design
- Communication framework establishment
- Two follow-up sessions for both partners
Ongoing Financial Coaching
For those who benefit from regular accountability and support, our monthly coaching service provides continuous guidance as you implement financial changes and navigate new challenges that arise.
This service includes:
- Monthly one-hour coaching sessions
- Progress review and celebration
- Strategy adjustment as needed
- Accountability and motivation
- Email support between sessions
- Access to exclusive resources and tools
What You Gain From Our Services
Clarity on Your Financial Position
No more guessing or anxiety about where you stand. You'll have a clear, accurate picture of your finances and understand exactly what needs attention.
Practical Action Plans
Not just advice, but specific steps you can take immediately to improve your financial situation. Each recommendation comes with clear implementation guidance.
Sustainable Financial Habits
We focus on building habits that last beyond our time working together, ensuring long-term financial health rather than quick fixes.
Confidence in Decision-Making
Understanding the 'why' behind financial strategies empowers you to make better decisions independently in the future.
Choosing the Right Service
Not sure which service best fits your needs? Here's a quick guide to help you decide.
If you're feeling overwhelmed...
Start with a Financial Health Check. This gives you a clear overview of your situation and helps identify where to focus your energy.
If money disappears and you don't know where...
Budget Planning & Money Management will help you track spending and regain control.
If you're carrying high-interest debt...
Debt Management Strategies should be your priority. Reducing debt often provides the biggest immediate improvement to your financial situation.
If you're self-employed...
The Freelancer & Self-Employment Financial Planning service addresses the unique challenges of irregular income.
If you and your partner argue about money...
Couples Financial Planning provides neutral facilitation to help you find common ground and work toward shared goals.
If you want ongoing support...
Ongoing Financial Coaching provides regular accountability and adapts to your evolving needs over time.
How Our Services Work
Initial Contact
Reach out through our contact page. We'll respond within one business day to schedule a brief conversation.
Free Consultation
We discuss your situation, goals, and which service might be most helpful. No obligation to proceed.
Engagement
If you decide to move forward, we'll schedule your first session and send any preparatory materials.
Active Work
We work together on your financial goals, providing guidance, tools, and support throughout the process.
Common Questions About Our Services
Absolutely. Many clients benefit from combining services—for example, starting with a Financial Health Check to identify priorities, then moving into Budget Planning and Debt Management. We can create a package tailored to your needs and offer modest discounts for combined services.
We offer both video sessions and in-person meetings at our Bristol office. Most clients find video sessions convenient and equally effective, but the choice is yours based on your preference and location.
Life happens. We just ask for 24 hours notice when possible so we can offer your slot to another client. Rescheduling is straightforward and we'll work to find a new time that suits you.
For services over £300, we can arrange payment in two installments. We'd rather make our services accessible than have price be a barrier to getting help.
Regulated financial advisors can recommend specific investment products and are excellent for investment planning, pensions, and insurance. We focus on financial fundamentals—budgeting, debt management, savings strategies, and money habits. For many people, sorting out these basics before moving to investments makes the most sense. When investment advice is appropriate, we'll happily refer you to qualified professionals.
This depends on your starting point and goals. Improvements in spending awareness and budgeting often happen within the first month. Debt reduction and significant savings accumulation naturally take longer. We set realistic expectations from the start and celebrate incremental progress along the way.
Ready to Get Started?
Let's have a conversation about your financial goals and how we can support you in achieving them.
Contact Us