Ongoing planning
A check-in every quarter, and your Financial Plan re-run each year with your current figures and reissued in writing. £49 a month, cancel any time.
£49 a month
A check-in every quarter, and your Financial Plan re-run each year with your current figures and reissued in writing. £49 a month, cancel any time.
£49 a monthEvery three months we email four questions: has your job or income changed, has anyone joined or left the family, are you now caring for anyone, and is a big decision coming up. If anything has changed, your planner calls you.
If your plan covers a couple, your partner gets the quarterly check-in too, on their own link, and either of you can ask the planner a question.
We ask for current pension and account values, confirm your spending, and run your figures through the same engine. You get this year's result next to last year's.
About an hour on what changed, what it did to the projection, and whether anything needs a decision this year.
The document rewritten with this year's figures, with every assumption printed.
Ask whether a change affects your plan before you act on it: an inheritance, an offer for the business, a redundancy package, a child asking for help with a deposit.
Paid monthly by Direct Debit, collected for Buzz Accounting by Adfin. Cancel any time.
Three years of ongoing planning costs £1,764, which is more than a new Financial Plan at £1,500. If your position is stable and you are more than ten years from stopping work, buying a new plan when something changes costs less. A one-off financial plan compares the three-year cost of each route.
Ongoing planning picks up changes between reviews, such as a poor run of returns in the first years after you stop work, or an allowance you are close to exceeding before a withdrawal. Some tax consequences cannot be reversed once a withdrawal is made. The closer you are to stopping, the more these changes affect the plan.
More than ten years from stopping, with a stable position: the Financial Plan on its own. Within ten years, with a business, or with several changes under way: the Financial Plan with ongoing planning. On a call we will tell you which fits your position.
No. The Financial Plan is complete on its own. You can start ongoing planning later, or buy a new plan in a few years.
No. Coaching at Buzz Money Coach covers behaviour: spending, habits and following through. Ongoing planning covers the projection, the tax and whether the plan still works. Some clients have both.
The review is short and confirms whether you are on track. If nothing has changed for two years, we will tell you, and you can cancel and restart later.
No. Buzz Accounting Ltd is not authorised to give it. If a review shows a decision that needs a personal recommendation on a product, 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.
Start ongoing planning — £49 a month See the Financial Plan Book a call
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.