The Financial Plan
A written plan in six parts, ending with your actions for the next ninety days. One payment of £1,500.
£1,500
A written plan in six parts, ending with your actions for the next ninety days. One payment of £1,500.
£1,500Income, spending and what is left each month, taken from your bank. Your savings, pensions, property and debts listed in one place.
Each goal with a figure and a date: retirement, a deposit for a child, a sabbatical, dropping to three days a week, selling the business.
Every year from now to age 100 with UK tax applied, including the Scottish bands where they apply. Whether the money lasts and, if it runs out, the age it runs out.
The same plan with one thing going wrong: poor markets in the first three years, redundancy, care costs, or living longer than expected. Each result is given in years.
The main findings from the numbers. Each ends in a question for you to decide.
A short list of specific actions, each with a date.
Both incomes, both pensions and both retirement dates, modelled together for the same £1,500.
Your partner gets their own link with four short questions: when they want to stop work, what they want the plan to make possible, what worries them and anything they want the planner to know. Their answers go to the planner only.
A short call with each of you on your own, as well as the session together.
The plan names you both and shows each person's pensions, State Pension and tax.
The fact find, the modelling, and a session to go through the results with you.
Income tax including the Scottish bands, National Insurance, dividend tax, capital gains tax, pension allowances, and inheritance tax on the estate.
The plan re-run two thousand times with good and bad years in a different order. The plan states in how many of those runs your money lasted.
Every assumption printed: growth, inflation, the age you stop, your spending and life expectancy. If you disagree with one, we re-run the plan with your figure.
£1,500, paid once. Keeping the plan up to date afterwards is ongoing planning at £49 a month, which is optional. How much a financial plan costs sets our prices beside published UK financial advice fees.
If your position is simple, for example you rent and have one pension, start with the free projection and the free tools at Buzz Money Coach.
For a twelve-month plan with ninety-day goals and a coaching session, without modelling to age 100, see the Money Road Map at £399 from Buzz Money Coach, part of the same company.
The Financial Plan suits people with several parts to model together: pensions from different jobs, property, a business, children, and a date they want to stop work. See financial planning for business owners for how the company goes into the plan.
If money is difficult now, please use free, independent help first: StepChange, National Debtline and MoneyHelper.
No. Financial planning describes your position, models your future and sets out the decisions. Regulated advice recommends a specific product for you, and Buzz Accounting Ltd is not authorised to give it. For example, we will show what stopping at 60 does to your projection, and we will not tell you which pension or fund to put money into. Where you need a recommendation, we say so and can introduce you to Equity & General (FCA 474163). The introduction is optional, and we tell you about E&G's commission to Buzz before it.
A planner's time on the fact find, the modelling, the two thousand runs, interpreting the results for your position, and the session where we go through them with you. The bank feed and our own engine cut the data entry, and that saving is in the price. You pay once.
The Money Road Map, from Buzz Money Coach, covers the next twelve months: ninety-day goals and a coaching session. It does not model your money to age 100. The Financial Plan models your whole life with UK tax applied. If you are unsure which suits you, book a call and we will tell you, including when the answer is the £399 Money Road Map.
Complete the free Healthcheck so the plan uses your recorded spending. Have recent pension statements and mortgage details to hand if you can. We will tell you if anything else is needed.
Yes, at the same price. Once you have bought the plan, add your partner from your portal and they are sent their own link and questions. Each of you has a short call with the planner on your own, and the session to go through the plan is for both of you.
Yes. The plan is yours, and it is written so an accountant or adviser can follow your position quickly.
The Financial Plan works out the inheritance tax on your projected estate. Wills and lasting powers of attorney are done by Buzz Legal, part of the same group. If a financial product is being considered, that needs a regulated recommendation, and we can introduce you to Equity & General.
An hour with a planner on whether the Financial Plan suits your position.
A written plan: every year to age 100 with UK tax applied, each risk measured in years, and your next ninety days.