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 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 coach is that they are there to guide you to make your own decisions. A 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 coach is when you want to get on top of your finances, want to start building wealth and planning 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 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 financial goals, money habits and money mindset you will see a transformation in your financial fitness.

The processes we will share with you are proven to grow 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.

(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)


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 coaching session look like?

A 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 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

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 free discovery call.

What will I get out of financial coaching?

Through financial coaching, you will be able to build your financial knowledge, money mindset, and financial habits  reducing your stress around money. Helping you tackle and overcome your greatest money worries and financial anxieties. Together we can put a plan in place to reach your lifestyle goals. 

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

Clarity on how to make your finances stronger

Dedicated time and space to look into your current 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 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.