About
The plan between your accountant and your adviser
Buzz Financial Planning exists because the most important financial question most people have is the one nobody is positioned to answer.
Buzz Financial Planning exists because the most important financial question most people have is the one nobody is positioned to answer.
Buzz is an accountancy practice first. Over years of doing companies' books the same thing kept happening: the business would be in good order, the owner's own position would never come up, and when it finally did — usually because something forced it — nobody had ever modelled it.
Accountants aren't placed to answer it, because it isn't the business's money. Regulated advisers answer it in the course of recommending a product, which is a good answer to a different question. So it sits in a gap, and people guess.
We built the modelling engine to close that gap for our own clients, and it turned out to be worth offering properly.
Plainly, because this is where the profession usually goes vague.
£1,500 for the Financial Plan, and £49 a month if you want it kept true. That's the only money we take from you for this work.
Because we don't recommend products. There's nothing for anyone to pay us for.
And you become their client, E&G pay Buzz a commission. We tell you before the introduction rather than after, it's optional, and it makes no difference to what your plan says.
If your plan leads to a will, that's Buzz Legal, priced separately and only if you want it.
A pension, an investment, a lender, an insurer or a debt solution. Not ours to do.
We never touch it.
There's no such thing, and it's exactly how people get hurt.
Or sell you a plan when your position is simple enough not to need one.
Buzz Financial Planning is a trading style of Buzz Money Ltd, which is not authorised by the FCA and does not give regulated advice. Equity & General (FCA 474163) is the authorised firm we can introduce you to. Any firm can be checked on the Financial Services Register at register.fca.org.uk.
Financial planning is one part of a group, and it helps to know which part does what — particularly because the boundaries between them are not decorative.
The practice this all grew out of. Company accounts, tax, payroll. If you are already a client, your business numbers are already in good order, which makes the personal modelling faster and more accurate.
Same company as us, different job. Behaviour, spending and habits rather than projections. Some people need only one of the two, plenty of people benefit from both, and neither is a prerequisite for the other.
Wills, powers of attorney and estate work. Plans regularly turn up an estate over the nil-rate bands, or two people who have never written a will. Priced separately and entirely optional.
Not us. A separate firm, authorised and regulated by the FCA under number 474163, who can give the regulated advice we cannot. We can introduce you; the commission is disclosed beforehand and the introduction changes nothing about what your plan says.
A document and two conversations, which sounds thin until you consider what it replaces.
Most people arrive with a set of half-answers: a rough idea of what they spend, a pension figure from a statement several years old, a stop date chosen because it is a round number, and an assumption about a business or a house that nobody has tested. Individually each feels reasonable. Together they produce an answer that can be a decade out in either direction, and there is no way to tell which without doing the arithmetic properly.
What the Financial Plan gives you is one answer you can trust, the honest range around it, and a short list of the things that would actually change it. Every assumption behind it is printed, so you can argue with any of them and have it re-run. Nothing in it is a recommendation to buy anything, from us or from anybody else, because we are not permitted to make one and would rather not be in the business of it regardless.
If your position is simple enough that a free projection tells you what you need to know, that is what you will be told. Selling a £1,500 document to somebody who does not need one is a good way to make a sale and a poor way to run a practice that expects to be here in twenty years.
The projection runs in your browser in about a minute. Nothing is sent anywhere and no email is needed to see the answer.
Thirty minutes with a planner to work out whether you need a Plan at all. Some people leave that call having been told they don't.
One written document — every year to 100 with the tax done properly, what breaks it priced in years, and the ninety days after. £1,500.