Financial Plan
The whole answer, written down
Six parts in a deliberate order, ending with what you do next. One piece of work, one price, one document that's yours to keep and to argue with.
£1,500
Six parts in a deliberate order, ending with what you do next. One piece of work, one price, one document that's yours to keep and to argue with.
£1,500The order does real work. The long view comes before the action list, so the ninety days read as consequences of the projection rather than a to-do list somebody handed you.
Income, outgoings and what's actually left, from your bank rather than your memory. Assets, pensions, property and debt gathered in one place — for many people the first time that's ever happened.
Each goal with a number and a date. Retirement, yes, but also the deposit for a child, the sabbatical, the year you drop to three days, the business you might sell.
Every year from now to a hundred. Whether the money lasts and, if it doesn't, the age it runs out. UK tax applied properly throughout, including the Scottish bands where they apply.
The same plan with one thing going wrong — a bad first three years in markets, redundancy, care costs, living longer than expected. Answers in years, not percentages.
The handful of things the numbers are genuinely telling you. Each ends in a question, not an instruction, because they're your decisions and you have to live in them.
A short list of specific actions with dates. This is the part that changes anything, and it's last on purpose.
Worth being specific, because “a financial plan” means very different things at very different prices.
Across the fact find, the modelling itself, and the session where you go through the result together.
Income tax including Scottish bands, National Insurance, dividend rates, capital gains, pension allowances, and inheritance tax on the estate at the end.
The same plan with good and bad years reordered, so you find out whether the answer depends on luck. You're told in how many of the two thousand your money lasted.
With every assumption printed — growth, inflation, the age you stop, what you spend, how long you live. Disagree with one and we'll run it your way.
Not a subscription, nothing renews, and no percentage of anything you own. You are not signing up to a relationship — you are buying one piece of work and keeping it. If you do want it kept true afterwards, that's ongoing planning at £49 a month, and it is entirely optional.
We'd rather say this out loud than take £1,500 from somebody who doesn't need it.
If you're renting, with one pension and a credit card to clear, you don't need a projection to age 100. You need the free tools at Buzz Money Coach, an honest look at your spending, and possibly one conversation. Keep the money and come back when it's worth spending.
And if what you actually want is direction rather than modelling — a year mapped out, goals with dates on them, and somebody to work through it with — that is the Money Road Map at £399, also ours. Different question, different price. We'd rather sell you that than this.
The Financial Plan earns its price when several moving parts pull against each other — pensions from different jobs, property, a business, children, and a date you'd like to stop working by. That's when the answer stops being obvious and modelling it is the only way to know.
And if money is difficult right now, please don't buy anything from us. Free, independent help is available today. Start there.
No, and the distinction isn't a technicality. Financial planning describes your position, models your future and helps you decide. Regulated advice recommends a specific product for you. We do the first and are not authorised to do the second. In practice: we'll show you exactly what stopping at 60 does to your projection and how big a change moves that date — but we won't tell you which pension or fund to move money into. Where that's what you need, we say so and can introduce you to Equity & General (FCA 474163), optional and with the commission disclosed beforehand.
Because it is a planner's work, not a report a machine spits out. The fact find, the modelling, the two thousand runs, the judgement about what the result actually means for you, and the session where you go through it together. What the bank feed and the engine save is the data entry, and that saving is already in the price — a firm doing the same piece of work as part of an ongoing planning relationship typically charges between £2,000 and £6,000 a year, every year. This is once, and you owe us nothing afterwards.
The Money Road Map is about direction: what you want the next twelve months to do, broken into ninety-day goals, with a coaching session to work through it. It doesn't model your money to age 100 and it isn't trying to. The Financial Plan answers a harder question — does this actually work, for the whole of your life, with the tax applied properly — and that takes modelling, not a conversation. If you're not sure which one you need, book a call and we'll tell you honestly, including when the answer is the cheaper one.
Less than you'd think. Do the free Healthcheck so your spending is real, and have recent pension statements and mortgage details to hand if you can. Don't delay over paperwork — the bank feed covers most of it and we'll tell you if something genuinely matters.
Yes, and we'd encourage it. It's your document, and it's deliberately written so somebody else can pick it up and understand your position quickly — which is exactly what you want if you're about to ask a regulated adviser for a recommendation.
The Financial Plan works out the inheritance tax on your projected estate, which is often the first time anyone has put a figure on it. Acting on it usually means a will and powers of attorney, and that's Buzz Legal — the same group. If the sensible answer involves a financial product instead, that's a regulated recommendation and it goes to Equity & General.
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.