For new investors with portfolios below £25,000!

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, or no investments at all.

We explore whether you are at the right point to begin investing, and budget together first.

We discuss the risks of investing vs. the risks of doing nothing, and you will begin investing confidently.

GOALS

1. MoneyWalks Simple Spending to help you balance essentials, debt, and investing, while giving permission for fun!

2. Validate if investing is the right choice right now

3. Understanding of risk vs. reward, inflation, and risks of not investing

4. Identify missed opportunities and correct

5. Start investing even a small amount, to learn and build positive habits

PROCESS

• Pre-work: Complete MoneyWorks Simple Spending template.
  (45 minutes)

• 1:1 Assessment: Review your current situation and goals, review Simple Spending. Assess risk preferences and discuss risk principles with illustrations. Discuss investing basics.
  (45 minutes)

• 1:1 Action: Identify and address any missed opportunities to optimise. Begin investing regularly in your existing accounts or assistance with a new platform.
  (60 mins)

Book a free call or email today to discuss this package first, or go ahead and purchase now!

You are happy with traditional retirement age but unsure if on track.

We deep dive your situation, goals and priorities. Review assets (pensions, savings, ISAs, property), expenditure and income levels you may need in retirement.

We illustrate how you’re tracking today at current savings rate, 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.

See a case study here

And check out our blog Mind the Gap to learn if you are part of the lost generations who need guidance!

GOALS

1. Draw out your personal and financial goals and priorities

2. Define a retirement income level and target pot range

3. Forecast of current position and how closely this tracks to plan via a cash flow model

4. Optimised portfolio for your goals

5. Ensure correct utilisation of tax allowances

6. Updated cash flow model produced to reflect adjustments and give reassurance of your plan

PROCESS

• Pre-work: Gather information around your existing situation
  (1 hour)

• 1:1 Assessment: Discuss your goals and priorities. Review your current assets, income and expenditure. Assess your attitudes to risk.
  (1 hour)

• 1:1 Forecast: illustrate if current trajectory meets your objectives, accounting for inflation. Discuss possible adjustments to your strategy and illustrate their impact via cash flow models. Consider actions to better utilise tax allowances. Optimise your portfolio to align with your new plan!
  (1 hour)

• Action: Guided implementation of your chosen actions, habit forming, and accountability check-in!
  Offline guidance as needed, or 1:1 step through sessions.
  (1-2 hours)

Book a free call or email today to discuss this package first, or go ahead and purchase now!

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!

See a case study here

Or if you haven’t yet heard of FIRE, check out our FIRE blog

BASICS IN BOTH RETIRE ON TIME AND RETIRE EARLIER

We deep dive your situation, goals and priorities. Review assets (pensions, savings, ISAs, property), expenditure and income levels you may need in retirement.

We illustrate how you’re tracking today at current savings rate, 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.

PLUS EXTRA FOCUS WITH RETIRE EARLIER PACKAGE

• Work backwards from an earlier target age you have in mind, or project forwards from today to see what you might attain

• Levers to pull with illustrations of how adjustments can have a large impact, discussing the power of UK tax allowances which will motivate you to utilise them!

• Second cash flow forecast comparing with traditional path

• More critical review of anticipated retirement income exploring the ‘retirement smile’ and highlighting common calculation mistakes

• Salary negotiation coaching

GOALS

1. Draw out your personal and financial goals and priorities

2. Define required income level with critical review and set target pot range

3. Set a more aggressive financial freedom age

4. Forecast of current position and how closely this tracks to both paths via cash flow models

5. Know Options to hit your stretch goal

6. Ensure correct utilisation and maxing of tax allowances

7. Optimised portfolio for your goals

8. Updated cash flow model produced to reflect adjustments and give reassurance of your plan

9. Strategies to negotiate your salary

PROCESS

• Pre-work: Gather information around your existing situation
  (1 hour)

• 1:1 Assessment: Discuss your goals, priorities and motivations to retire earlier. Review your current assets, income and expenditure. Assess your attitudes to risk. Critically review your expected income needs in retirement.
  (1.5 hours)

• 1:1 Forecast: Set a stretch retirement age and illustrate via cash flow models how current trajectory aligns with both traditional and earlier ages, accounting for inflation. Discuss possible adjustments to your strategy and illustrate their impact via cash flow models, including some aggressive adjustments to hit FIRE. Consider actions to better utilise tax allowances. Optimise your portfolio to align with your new plan!
  (1.5 hours)

• Action: Guided implementation of your chosen actions, habit forming, and accountability check-in! Explore negotiating to increase your income.
  Offline guidance as needed, or 1:1 step through sessions.
  (1-2 hours)

Book a free call or email today to discuss this package first, or go ahead and purchase now!

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 ensure your money will be accessible where and when you require - considering market risks and not locking everything out of reach. It is impossible to retire early with all your money locked in pensions!

We explore retirement, private & state pension milestones, adjusting your portfolio to match these timelines for a smooth final ascent.

Recommended around 5-10 years away from retirement.

GOALS

1. Compare your planned retirement age against private and state pension ages to measure steps remaining

2. Illustrate how exposed you are to stock markets and other risky assets, educate on sequencing risk

3. Calculate your risk appetite, risk capacity, and necessity to take risk at this stage

4. Adjust your portfolio, de-risking if necessary, while maintaining growth

5. Determine correct allocation across all types of account (ISA, Pension, taxable), ensuring future cashflow when you need it

6. Correct utilisation of tax allowances - this may be your last chance to maximise!

7. Updated cash flow model produced to reflect adjustments and give reassurance of your plan

PROCESS

• Pre-work: Gather information around your existing situation
  (1 hour)

• 1:1 Assessment: Discuss your planned dates. Review your current assets and where they sit. Assess your attitudes to risk, illustrate sequence of returns risk and potential variance and crash probabilities of your current portfolio. Explore how much risk you actually need to take based on how close you are to the peak.
  (1 hour)

• 1:1 Plan: Discuss possible adjustments to your portfolio to reduce risk gradually towards your retirement date. Begin considering your drawdown strategy once you reach Chill Peak, and plan towards it now. Consider actions to better utilise tax allowances as this may be your last few years to maximise.
  (1 hour)

• Action: Guided implementation of your chosen actions, habit forming, and accountability check-in!
  Offline guidance as needed, or 1:1 step through sessions.
  (1-2 hours)

Book a free call or email today to discuss this package first, or go ahead and purchase now!

You made it!

Avoid One-More-Year syndrome and feel assured to go ahead.

We validate and build confidence in your plan by educating and illustrating cashflows, while coaching the mindset shift from accumulation to decumulation.

We handle logistics of entering part or full-time retirement, balancing guaranteed or flexible income using a floor and upside strategy. While avoiding common tax mistakes costing thousands!

Note that some aspects are best planned further in advance during Summit Steps - though if you did not manage to take that package don’t worry, we got this!

GOALS

1. Brief cashflow model with stress testing to provide initial reassurance of your plan

2. Determine whether you are most comfortable with guaranteed or variable income, exploring a hybrid floor-and-upside

3. Explore whether you plan to leave a legacy or “die with zero”

4. Determine your preferred mix of Annuities and Pension Drawdown

5. Illustrate how exposed you are to stock markets and other risky assets, educate on sequencing risk

6. Calculate your risk appetite, risk capacity, and necessity to take risk at this stage

7. Adjust your portfolio, de-risking if necessary, or even increasing risk depending on fixed-income choices!

8. A tax efficient withdrawal strategy across all types of account (ISA, Pension, taxable, cash)

9. Updated cash flow model with stress test to reflect adjustments and give reassurance of your plan

PROCESS

• Pre-work: Gather information around your existing situation
  (1 hour)

• 1:1 Assessment: Review your current assets and where they sit. Brief cashflow model illustration to demonstrate your readiness at a high level and highlight common calculation mistakes or incorrect assumptions. Assess your attitudes to risk, illustrate sequence of returns risk and potential variance and crash probabilities of your current portfolio. Explore how much risk you actually need to take now you made it.
  (1 hour)

• 1:1 Plan: Explore your preferences around income style (particularly Annuities and Pension Drawdown) and discuss the merits of different approaches. Choose a withdrawal strategy which is often a blend of approaches. Discuss possible adjustments to your portfolio to reduce risk, or even increase risk if your floor is covered. Plan where from and when to withdraw for tax efficiency.
  (1 hour)

• Action: Guided implementation of your chosen actions, habit forming, and accountability check-in!
  Offline guidance as needed, or 1:1 step through sessions.
  (1-2 hours)

Book a free call or email today to discuss this package first, or go ahead and purchase now!

It’s rarely too soon to consider legacy and estate planning. Make the right choices now to minimise inheritance tax, ensure your wishes, and avoid loved ones selling property to cover tax bills.

We educate briefly on inheritance tax, then determine if your estate is likely to become taxable, now or in future!

We explore mitigation actions, and coach on giving with a warm heart over a cold hand!

Note pensions will fall within your estate from 2027.

GOALS

1. Learn the key points of inheritance tax (IHT) and allowances without being overwhelmed

2. Determine if your estate is likely to be subject to IHT, today or in the future

3. Validate if the current inheritance situation matches your assumptions and aligns to your wishes

4. Strategies for married or unmarried partners

5. Decide on giving with a warm heart over a cold hand!

6. Use of gifting allowances

7. Mitigation to avoid forced selling of assets by beneficiaries to pay HMRC, particularly large properties.

8. Understand Trusts and their suitability - both financially and to ensure your wishes are followed

PROCESS

• Pre-work: Gather information around your existing situation
  (1 hour)

• 1:1 Assessment: Discuss your goals and priorities, and the legacy you wish to leave. Review your current assets and family situation. Forecast if your estate is likely to become subject to inheritance tax. Ensure the current situation matches your assumptions of what would happen.
  (1 hour)

• 1:1 Strategy: Strategies for married or unmarried partners. Coaching on late legacy or giving now. Strategic mitigations including use of various tax allowances and financial products. Explore trusts if applicable.
  (1 hour)

• Action: Guided implementation of your chosen actions, habit forming, and accountability check-in!
  Offline guidance as needed, or 1:1 step through sessions.
  (1-2 hours)

Book a free call or email today to discuss this package first, or go ahead and purchase now!

Strategies to deal with your company stock tax-effectively