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I’m Alan, a financial planning coach.

A financial coach UK based in Woking, Surrey.

Turning Your Financial Stress into Financial Happiness

Empowering Your Journey from Worry to Well-Being

Transforming Lives, One Financial Plan at a Time

I started Financially Happy Coaching with a simple mission: to help people find joy and fulfilment through financial well-being. After years of navigating the ups and downs of money management, I have found a way to take the stress out of money, start investing and build a financially happy future.

Doing Good While Doing Well

Before (and still now) founding Financially Happy Coaching, I had a fulfilling career in the charity sector, working with esteemed organisations like CARE International and CAFOD. The experience was enriching but also eye-opening. It revealed the unique financial challenges faced by those who dedicate their lives to doing good—modest salaries, squiggly careers = numerous pensions and the constant juggle between fulfilling work and financial stability.

This led to a new mission: to help people in the charity sector and beyond find the balance between having an impactful career and managing money well. Whether you’re looking to untangle the web of pensions and savings from a varied career, needing a plan in place or contemplating a career pivot, I’m here to guide you.

I aim to take the stress and guilt out of personal finance (make it fun and exciting!), empowering you to live your rich life now and making paid work optional one day. You don’t have to feel guilty about earning money; you have to know how to manage it well for a long and happy life.

The Financially Happy Philosophy

We believe that financial happiness is not just about numbers; it’s a state of well-being where money serves as a tool to achieve your dreams, rather than a source of stress. Our philosophy is built on four pillars:

Mindfulness 🌱: Being aware of your financial choices.

Sustainability 🌳: Making long-term beneficial financial decisions.

Flexibility 🤸: Adapting to life’s financial uncertainties.

Fulfilment 🌈: Achieving financial goals that bring joy and meaning.

Sign up for our FREE 30-minute Financial Happiness Consultation and take the first step towards a life you love.

What my financial coaching clients are saying

Friendly, supportive and empowering

Alan is a friendly, supportive, and empowering financial coach and guide, offering the tools and clear direction necessary to understand your financial circumstances, an optimised and realistic future, and the route between the two. Alan has enabled me to be able to make informed choices with confidence,
Steve
Sheffield

Hugely helpful!

Working with Alan has been hugely helpful in helping me better understand how I can take better control of my finances. I especially appreciate the focus on helping us become financially literate so that we can manage these things for ourselves in the future. Thanks so much Alan.
Gisele 
London

Made money less of a mystery!

Alan delivered an informative and engaging session to staff in our organisation. It was so good that we are having him back again! Feedback from our staff members included that the session was informative and that it made money less of a mystery. Alan’s approach helped reveal a way of thinking around money that links it to how it can give you the freedom to reach your overall life plans and goals.
HR Advisor 
HR advisor London Charity

Invaluable!

Alan’s advice was invaluable. He gave me clear and straightforward suggestions about my financial wellbeing. One of his great skills is listening and understanding what may help his client even when the client is unsure. I would very happily go to Alan again if I needed financial help.
Mark
London

Far more confident with my finances!

I would highly recommend Alan for financial advice. He helped me understand the often baffling world of finances in an accessible and digestible way. As a result of his advice, I feel far more confident in my finances and my future financial security.
Alex
London

What is a financial coach UK?

A financial coach UK is a specialised guide who helps individuals manage their personal finances effectively. Unlike a financial adviser, whose primary focus is often on investment and portfolio management, a financial coach aims to educate you on the fundamentals of money management.

One of the key aspects of a financial coach’s role is planning for the future. They don’t just help you understand where your money is going today; they also assist you in setting long-term financial goals. Whether it’s planning for retirement, saving for a home, or setting up an emergency fund, a financial coach provides you with a roadmap to achieve these objectives.
Financial coaches are well-versed in the specific financial challenges and opportunities unique to the UK. This includes a comprehensive understanding of UK-specific financial instruments like ISAs and pensions, as well as the intricacies of the UK tax system.

If you’re struggling with debt, finding it difficult to save, or simply want to understand better your financial situation, a financial coach can offer invaluable assistance. They provide tailored advice to help you meet your individual financial goals and immediate and long-term needs.

In summary, a financial coach UK empowers you to take control of your financial future. They equip you with the tools, knowledge, and strategic planning required to manage your money wisely and secure a stable financial future.

Is it worth getting a financial coach?

The question of whether it’s worth getting a financial coach is a bit like asking if it’s worth investing in a gym membership. The value you derive largely depends on your current situation, goals, and commitment to making a change. Here’s a breakdown to help you decide:

When It’s Worth It 👍

  1. Lack of Financial Literacy: If terms like ‘budgeting,’ ‘savings,’ and ‘investments’ feel like a foreign language, a financial coach can be your translator.
  2. Goal Setting: If you have specific financial goals but aren’t sure how to achieve them, a coach can help you set a realistic roadmap.
  3. Accountability: If you find it challenging to stick to financial commitments, a coach can serve as your accountability partner.
  4. Emotional Support: Money matters can be stressful. A coach provides the emotional support to help you navigate financial ups and downs.
  5. Customised Advice: If you’re looking for tailored guidance that considers your unique financial situation, a coach can offer this level of personalisation.

When It Might Not Be Worth It 👎

  1. Cost: Financial coaching can be an investment. If the fees strain your budget, it might not be the right time.
  2. Self-Discipline: If you’re already disciplined about managing your finances and grasp financial concepts well, you may not need a coach.
  3. Specific Financial Products: A financial adviser might be more suitable if you seek advice on specific investments or complex financial products.

Consider Your Needs 🤷‍♀️

  • Short-Term vs Long-Term: A coach is excellent for building lifelong financial skills. An adviser is better for specific, often shorter-term, financial decisions.
  • Education vs Execution: If you want to learn how to manage your finances, go for a coach. If you prefer someone to manage them for you, opt for an adviser.

In summary, the worth of a financial coach varies from person to person. A financial coach can be a valuable asset if you’re looking to gain financial literacy, set and achieve goals, and want a personalised approach to your money. On the flip side, if you’re already financially savvy or are looking for specific financial products, the investment might not yield the returns you’re hoping for. 🎯💷

Why is Financial Coaching Important? 🤔🌟

Financial coaching is pivotal in shaping one’s financial well-being, much like a cornerstone supports a building. It’s not just about numbers and spreadsheets; it’s about empowering individuals to take control of their financial destiny. Here’s why financial coaching is so crucial:

Financial Literacy 📚

  • Why It’s Important: Many people lack basic financial literacy, leading to poor money management and financial stress.
  • How Coaching Helps: A financial coach educates you on the essentials, from budgeting to saving, helping you make informed decisions.

Goal Setting and Achievement 🎯

  • Why It’s Important: Without clear financial goals, it’s easy to drift aimlessly, making impulsive financial decisions.
  • How Coaching Helps: A coach helps you set realistic goals and crafts a tailored action plan to achieve them.

Accountability 🤝

  • Why It’s Important: Knowing what to do is one thing; actually doing it is another.
  • How Coaching Helps: Regular check-ins with a financial coach keep you accountable, ensuring you stay on track.

Emotional and Psychological Support 🤗

  • Why It’s Important: Money is often tied to emotions, and financial stress can take a toll on your well-being.
  • How Coaching Helps: A coach provides emotional support, helping you navigate financial challenges with a balanced mindset.

Customised Solutions 🛠️

  • Why It’s Important: Every individual’s financial situation is unique, requiring personalised solutions.
  • How Coaching Helps: A financial coach offers customised advice tailored to your specific needs and circumstances.

Long-Term Financial Health 🌱

  • Why It’s Important: Short-term fixes rarely solve long-term problems.
  • How Coaching Helps: A coach equips you with the skills and strategies for long-term financial stability, from emergency funds to retirement planning.

Empowerment and Confidence 🌟

  • Why It’s Important: Financial insecurity can lead to a lack of confidence and a sense of helplessness.
  • How Coaching Helps: A coach boosts your financial confidence by equipping you with the tools and knowledge to manage your finances.

Financial coaching is not just a luxury but a necessity for those who aim for a financially secure and stress-free life. It’s about building a strong financial foundation that not only withstands life’s storms but also enables you to thrive. 🌈💷

What Do Financial Coaches Do? 🤔💷

Financial coaches wear many hats, but their ultimate goal is to empower you to take control of your financial life. They’re like the GPS for your financial journey, providing you with directions but letting you drive the car. 🚗

Education 📚

First and foremost, a financial coach educates you on the basics of personal finance. They break down complex topics like budgeting, saving, and investing into digestible, easy-to-understand concepts.

Goal Setting 🎯

They help you set realistic financial goals, whether it’s buying a home, saving for your children’s education, or planning for retirement. Once the goals are set, they assist you in creating a tailored action plan to achieve them.

Accountability 🤝

A financial coach holds you accountable. They regularly check in to see how you’re progressing towards your goals and offer constructive feedback. They help you get back on track if you’re veering off course.

Emotional Support 🤗

Managing finances can be stressful. A financial coach provides emotional support and encouragement, helping you navigate through financial challenges and setbacks.

Financial Tools 🛠️

They introduce you to various financial tools and resources that simplify financial management. This could range from budgeting apps to spreadsheets that track your spending and savings.

Future Planning 📅

One of the most crucial roles of a financial coach is helping you plan for the future. They guide you through setting up emergency funds, retirement accounts, and other long-term financial strategies to ensure you’re prepared for whatever life throws your way.

Customised guidance👨‍🏫

Every individual’s financial situation is unique, and a financial coach understands this. They offer customised guidance tailored to your specific needs and circumstances.

In a nutshell, a financial coach is your go-to person for all things finance. They equip you with the knowledge, tools, and confidence you need to manage your money effectively and secure a financially stable future. 🌟💷

Financial Coaching vs Financial Adviser: What’s the Difference? 🤔🔍

The terms “financial coach” and “financial adviser” are often used interchangeably, but they serve distinct roles in personal finance. While both aim to improve your financial well-being, their approach, focus, and services differ considerably. Let’s break it down:

Scope of Service 📋

  • Financial Coach: Focuses on educating you about the basics of personal finance, such as budgeting, saving, and debt management. They help you set and achieve financial goals.
  • Financial Adviser: Specialises in providing specific investment advice, managing portfolios, and other complex financial planning like estate planning and tax optimisation.

Qualifications 🎓

  • Financial Coach: May or may not have formal financial qualifications. Their strength lies in their ability to teach and guide.
  • Financial Adviser: Usually holds professional qualifications and is often regulated by financial authorities. In the UK, they’re typically regulated by the Financial Conduct Authority (FCA).

Customisation 🛠️

  • Financial Coach: Offers customised guidance tailored to your individual needs, focusing on behavioural change and financial education.
  • Financial Adviser: Provides customised investment strategies based on your financial situation and risk tolerance.

Long-Term Planning 📅

  • Financial Coach: Helps you plan for long-term financial stability by teaching you the skills you need to manage your money effectively.
  • Financial Adviser: Focuses on long-term wealth accumulation and management, often through investments.

Accountability 🤝

  • Financial Coach: Holds you accountable for your financial decisions and helps you stay on track towards achieving your goals.
  • Financial Adviser: Manages specific financial tasks for you, such as investment management, but may not hold you accountable for broader financial behaviours.

Emotional Support 🤗

  • Financial Coach: Provides emotional support and motivation, helping you navigate financial challenges.
  • Financial Adviser: Less likely to offer emotional support; the relationship is often more transactional.

Fees 💷

  • Financial Coach: Usually charges a flat fee or hourly rate for their educational services.
  • Financial Adviser: May charge a percentage of the assets managed, a flat fee, or a combination of both (Significantly higher when taking into account % fees over a long time)

In summary, a financial coach empowers you with the knowledge and skills to manage your finances, while a financial adviser offers specialised advice and services for complex financial planning and investment management. Both have their merits, but the best choice depends on your individual needs and financial goals. 🎯💷

My financial coaching qualifications

I have completed the Wise Monkey Financial Coaching, Academy of Life Planning accreditation and Hatch Financial coach (now Octopus money) qualifications.

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