The Financial Plan answers the question on the day it's written. Then you get a pay rise, or a bad year, or change your mind about when to stop — and the answer moves. This keeps it honest.
£49 a monthSame engine, your current numbers. What's actually happened since last time, and what it did to the age the money runs out.
A proper conversation about what changed and what it means — not a document landing in your inbox with no one attached to it.
Updated and reissued, so what you're holding is current rather than a snapshot of the year you bought it.
“Does this change anything?” whenever something happens — an inheritance, an offer for the business, a diagnosis, a child needing help. Usually the answer is no, and knowing that is worth something.
Cancel any time. No minimum term, no notice period, and nothing you've already bought expires if you stop.
A financial plan isn't a document, it's a relationship with a set of numbers that keep moving. The plan you bought in 2026 was right in 2026.
The things that actually derail people are rarely dramatic and almost never predicted: three years of poor returns just after stopping work, a parent needing care, a business that didn't sell for what everyone assumed. None of those appear in a plan written years earlier and never opened again.
What the monthly service really buys is that somebody notices — and tells you early enough to do something about it, while the options are still cheap.
Not a subscription that quietly bills you for nothing. Four points of contact, and you can ignore any of them.
We ask for current pension and account values, confirm what you're spending now, and put your real numbers back through the same engine. You get the updated answer alongside last year's, so you can see which direction things moved and by how much.
Usually an hour. What changed, what it did to the projection, and whether anything needs a decision this year. Most years the answer is that you're on track and nothing needs doing, which is a legitimate outcome rather than a wasted meeting.
Rewritten rather than annotated, with the assumptions used this time printed as always. The thing in your drawer stays current instead of becoming a historical artefact.
The one people use most. Something happens — an offer for the business, a parent's health, a redundancy package, a child asking for help with a deposit — and you want to know whether it changes anything before you respond to it.
A fair question is why not skip this and buy a fresh Plan in three or four years. Sometimes that is the better answer, and here is the honest comparison.
Coming back later costs less in total. Three years of the monthly service is more than a new Plan would be, so if your position is stable and you are more than a decade from stopping work, waiting is perfectly sensible and we will say so.
What you give up is the noticing. The things that derail plans arrive between reviews rather than on a schedule, and their cost usually depends on how quickly somebody spots them. A poor run of returns in the two years after you stop work is worth catching in year one rather than year four. An allowance you are about to trip over is worth catching before the withdrawal rather than after, because some of those do not reverse. The closer you are to stopping, the more that timing is worth.
More than ten years out and stable: buy the Financial Plan, come back when something changes. Inside ten years, or with a business in the picture, or with several things moving at once: the monthly version usually earns its money. We will tell you which one you look like, including when that answer costs us the subscription.
No. Plenty of people buy the Financial Plan and go, and that's a perfectly good outcome. Take the monthly service if you want the answer kept current; skip it if you'd rather come back and pay for a fresh piece of work in a few years.
No. Coaching at Buzz Money Coach is about behaviour — spending, habits, doing the things you said you'd do. This is about the numbers: the projection, the tax, whether it still works. Different job, and some people genuinely want both.
Then the review is short and you find out you're on track, which is most of what people want. If nothing has changed for two years running, we'll say so and you should probably stop paying us for a while.
No, and it can't — we're not authorised to give it. If a review turns up a decision that needs a personal recommendation on a product, we say so and can introduce you to Equity & General (FCA 474163). Optional, no obligation, commission disclosed beforehand.
Start ongoing planning — £49 a month Start with the Financial Plan Book a call
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.