Financial Freedom Coaching

care for you and your future self

Offering a different model of support towards financial freedom.

Founded on principles of transparent fees and a high value service whereby you get far more back than any fees paid.

No proprietary platforms or investments.

Richard Child
Founder

Richard holds a Diploma in Regulated Financial Planning (DipPFS) issued by the Chartered Insurance Institute. 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 FullFI!

Frequently Asked Questions

  • 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.

    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.