Financial Freedom Coaching

care for you and your future self

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Offering a different model of support towards financial freedom

Financial coaching differs from wealth management or financial advice (though we are equally qualified!)

  • Educate while explaining different options and their impact

  • Empower you to take control then stick to your path confidently as it’s your plan

  • Share simple yet high-impact strategies to accelerate progress

  • Investment in yourself rather than instructing you and creating dependency

We are actually happy if you no longer require us! (also happy if you find continued value and stay!)

Founded on principles of transparent fees and a high value service

We focus on saving or gaining you money, and buying you freedom, so are happiest when this far exceeds coaching fees paid. If we cannot achieve this, then we will simply say so.

Our coaching follows a pay-as-you-go model with packages meeting common needs, choose only what you require and no more. Though if you prefer a full service then feel free!

While this may feel like an outlay compared with subtle percentage fees, over time we believe a fixed-fee model will prove substantially cheaper. You may be surprised how quickly the break-even point arrives.

No proprietary platforms or investments, no opaque fees

We are not incentivised to transfer your money to our platform or pitch expensive managed investments because we don’t have any!

Fixed fee means we don’t need to grab your money to increase % cuts, and can focus more time together on aspects which make real impact.

Unlike the competition:

  • No percentage % onboarding / transfer-in fees

  • No percentage % ongoing commitment (optional annual coaching plans if you like)

  • No percentage % exit fees

  • As your portfolio grows the fee doesn’t

Blog - Painful Percentages
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Richard Child
Founder

Richard holds a Diploma in Regulated Financial Planning (DipPFS) issued by the Chartered Insurance Institute. This is the same qualification IFAs and Wealth Managers take. Authenticate at CII

Plus science degrees from Lancaster University and Newcastle University, and a Postgraduate Certificate from the University of Oxford.


Richard is also director at an S&P500 US corporation, bringing additional experience beyond personal finance planning.


Since hitting CoastFIRE aged 39, and BaristaFIRE / LeanFIRE aged 42 - Richard continues fulfilling work towards full FIRE! Read our blog What is FIRE?

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Frequently Asked Questions

  • You may already be spending more without realising through percentage fees deducted from your investments invisibly, so be sure to compare fairly.

    Single decisions can have high impact of hundreds or thousands of pounds, particularly around investment fees or tax strategies. This can compound over the years into tens or hundreds of thousands. Get expert input and add a zero!

    If you are still reluctant to invest in yourself then begin with Cost Crusher. If you don’t make money you don’t pay. If you do then consider reinvesting the ‘dividend’ into more coaching - and get compounding working for not against you.

    Check out our Case Studies to see examples of how financial coaching can pay for itself many times over.

  • Check out the sections on Who You Are, and Coaching climb orientation for guidance on which package is right.

    If you’re still unsure then Contact us by message or scheduling a free call

  • Wealth managers and IFAs typically charge a fixed percentage fee whether you receive a valuable ongoing service or not, and often exclude newer investors with smaller portfolios.

    While there is some logic to a percentage charge as your situation increases in complexity across all aspects (tax, family changes, estate planning) - unfortunately in practice the service offered is often simply reviewing your investments and advising a transfer into their proprietary platform with associated percentage fees deducted invisibly.

    MoneyWalks prefers fixed fee packages so you may choose exactly the scope of coaching required, with fees set at a level where we are confident you will receive value far in excess.

    Check out our blog: Painful Percentages

    If you prefer a percentage % arrangement then contact us!

  • Yes MoneyWalks is independent and we will explore options and products across the whole market.

    MoneyWalks is not employed by nor representing any wealth management firm, bank, insurer, or investment provider.

    We may occasionally highlight particular investment platforms who pay an affiliate or referral fee. This will always be disclosed, and we will not highlight any platforms we would not use ourselves. This helps keep costs lower for you.

  • MoneyWalks is not regulated by the Financial Conduct Authority so will not recommend or provide opinion on the suitability of financial products such as pensions, investments, insurance contracts, or debt arrangements for your particular situation.

    Financial coaching differs from financial advice.

    We will critically assess your plans and give detailed feedback.

    We will educate and explain different options with their pros and cons.

    We will empower you with the knowledge and confidence to understand the choices you are making.

    If you need specific advice, you should seek the services of a regulated financial adviser or a regulated debt counsellor.

  • The business model of Wealth Management firms is not aligned with our principles of transparent fees and a high value service whereby you get far more back than the fees paid.

    So we choose not to work within the industry as FCA-regulated IFAs.

    Richard also works as director at an S&P500 corporation, this benefits you through different perspective, skills, and experience to a classic IFA.

  • No, we are not accountants or tax advisers, but will highlight key UK tax allowances and legislation which you may not have been aware of and can choose to take advantage of.

  • Financial coaching differs from financial advice, albeit we have all passed the same qualifications.

    During coaching we will critically assess your plans and give detailed feedback.

    We will educate and explain different options with their pros and cons.

    We will empower you with the knowledge and confidence to understand the choices you are making.

    Only regulated Financial Advisors can offer direct advice and manage investments on your behalf.