Frequently Asked Questions

What is financial coaching?

More or less all you ever wanted to know but were afraid to ask about 

financial coaching

What's the difference between life planning and financial coaching?

Life planning is a holistic process to look at all areas of your life and how to create wealth across them. 

In our GAME Plan process we look at your Goals, the Actions you need to reach them, the Means you have and need to create and then how to Execute your plan. 

The whole process is about planning to understand ideal life, overcome obstacles and reach your goals. 

Financial coaching concentrates mainly on just your finances. 

We may work on just one or a number of topics but they are generally limited to your financial health and not necessarily your life’s health.  

Individuals and couples

Workplace wellbeing 

What is financial coaching?

We often see coaches for all kinds of things, sports, business, and even marriage. But money seems to be a thing everyone uses but have very rarely had any education or coaching in. Did anyone sit with you to help you think, manage and plan money? Well, that’s what our financial coaching does. How money fits in with all aspects of your life. And how to use it to reach your goals. We help you explore what money is for, for you.

How many regular appointments do you have for maintenance on all sorts of things? Your car, teeth, hair, garden and fitness.

Surely you should have regular check-ups on your financial fitness? How you manage, plan and use one of the most important resources in your life.

Financial coaching is the process of supporting, guiding and challenging you to set out a clear vision of what a good life looks to you and how to go about making it happen.

Individuals and couples

Workplace wellbeing 


What’s the difference between a financial coach and a financial advisor?

A financial advisor is someone who is regulated by the FSCA,  and is, therefore, able to sell and advise on specific products. The potential advantage of this is that they can make a specific recommendation to you. The disadvantage of this is it can be more of a sales transaction and may leave you none the wiser why or how recommendations were made. This can leave you and your entire life savings in the hands of someone else. The best time to see a financial advisor is when you have complicated finances and essentially expensive questions that need answering.

The advantage of a financial planner & coach is that they are there to guide you to make your own decisions. A planner & coach will help you figure out what is meaningful to you, where you are now and the options to get you to your goals. Helping put you in the driving seat of your finances. The potential disadvantage of this is that they cant make specific product recommendations. But they can provide you with education and guidance on how to make your own decisions. The best time to see a financial planner & coach is when you want to get on top of your finances, want to start building wealth and plan for a bright future. Yes, the best time is probably now, before the drift sets in and it becomes a lot more painful and expensive to put your finances back on the right track. 

Will financial planning & coaching work for me?

Yes, the principles and processes will work for nearly anyone.

Nearly anyone as you need to be

Coachable, Motivated, Action orientated and have a Positive Outlook

So providing you are willing to imagine and then work on your life and financial goals, money habits and money mindset you will see a transformation in your life & financial fitness.

The processes we will share with you are proven to grow life & financial confidence while reducing money stress.

The strategies and tactics are universal in that they will work for you no matter what your background is as long as you do the work.

The support and guidance we provide can be acted on quickly and will start having an impact as soon as you start using it.

Undoubtedly when things are new they can seem complicated. In working with you we will ensure that everything we talk about is easy to implement.

The positive impacts of financial coaching will be long-lasting. The results of our coaching will continue to compound your wealth, financial stability and financial peace of mind.

Value for money – what value would you put on being financially happy, stress free and reaching your life goals? Surely it would be priceless. The cost of the coaching will be more than recouped in some of the cost-saving exercises and the knowledge and money habits you will take forward into your life.

You had faith in your driving instructor or your teacher to help you pass your exams. Well, all we are asking is that you have this level of faith in the financial coaching process. If you put in the effort, ask for help or clarifications when you need it and keep an open mindset about money this will have a dramatic effect on your financial future.

It might not work for you if you just want to find out what product to buy (bank account, ISA, SIPP or investment fund).

(Debt: If you are in debt crisis or need debt advice then it may be more appropriate that you approach debt specialists like Stepchange or The money advice service)


You know the answer to every possible question I might have, right?

Err no

I read a lot of books and listen to a lot of podcasts on life and financial planning (so you don’t have to). 

But I don’t know EVERYTHING!

I do however know how to find out most of the answers you might need. 


Will you be trying to sell me things?


Our role is to work with you to help you reach your financial goals. 

We will be your critical friend and financial ally. 

We may let you know of other providers if we think there is a fit, but it will be your choice if you take up any offer. 

What does a financial planning & coaching session look like?

A planning & coaching session lasts about an hour where we help you make plans to achieve your goals, review where you are right now, consider your options and then set an action plan.

Topics we might cover over a number of financial planning & coaching sessions will include practical, behavioural, educational and planning aspects of the below areas;

What’s your big dream? What do you really really want? And how can we get you there with a bit of lifestyle financial planning

What actions might you need to take to overcome internal and external blockages and challenges and what questions do you need to find answers to?  

What Means do you currently have or need to create to reach your goals? What skills, experience or resources do you have that can be turned into a business orincome source? 

Money management. Where does it all go and are you happy about that? What’s coming in and how much of that do you keep? What are the ways you can spend and save our money in better ways.  Lets get your money organised. 

Your net worth and how to grow it. How much money do you have and where is it? After adding up everything you own and owe what are you left with? Lets grow that stash to reach your lifestyle goals. 

How much is enough? How to figure out and plan your ideal lifestyle with a bit of lifestyle financial planning. How much is enough for you to make work optional? Go on that world trip? Pivot your career or lifestyle? Lets work it out

Avoiding disaster and reducing stress. How to protect yourself from bumps in the road, build an emergency fund and prepare for when things go wrong.

Money mindset: What beliefs and habits you have and how they affect what you earn, keep and spend your money on. We cover your past, current and future money stories to figure out how and where to go next. 

Debt. The good (?) the bad and the ugly.  What you might do with the debt you currently have and how to avoid it in the future.

Investing for beginners and more seasoned investors. Once you have your finances under control, an emergency fund and protections against disaster in place what next to meet your lifestyle goals? How to start investing the simple way. Without all the hassle of worry which stock to buy or sell all the time. 

How to retire early or make work optional. How to make work optional much earlier than 65! (if that’s of interest?)


How many sessions do I need?

Generally, we work together over a period of 3, 6 or 9 sessions.  Depending on where you are now and where you want to get to. That maybe enough or further sessions may be useful. We can also look into yearly catch-ups to see how things are going.  We should be able to get an idea of this through the initial planning session.

What will I get out of financial planning and coaching?

Through financial planning and coaching, you will be able to set your life in the direction you have always wanted to go in. Achieving more of what’s important to you.

You will be able to build your life and financial knowledge, money mindset, and financial habits reducing your life and money stress. Helping you tackle and overcome your greatest life and money worries. Together we can put a plan to create wealth in every area of your life. 

Reduced money stress knowing that you are finally taking action. and getting better with money.

Clarity on how to reach your life’s goals and make your finances stronger

Dedicated time and space to look into your current life and financial situation and future goals

Access to an impartial sounding board on personal finance and financial freedom.

A clear vision of what a good life looks like to you and how to get it. 

An action plan with clear steps to start your journey to financial freedom.

A critical friend and financial ally to help guide, support and challenge you along the way.


Can you predict the future?

Can you tell me exactly what/where the below will be in …..fill in the blank years?

Interest rates – No and no one can

The stock market – No and no one can

The economy – No and no one can

What we do is help you figure out what your life goals are and how money interacts with these. We work out with you what your options might be to achieve these goals. We then help you to figure out what money habits, mindset, financial education or financial services you might need to reach your goals asap. 

Will Financial planning and coaching make me more attractive?

Probably, but difficult to prove, being more confident around money and having a clearer picture of your goals is bound to be attractive to someone.  Good luck out there. 

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