Financial planning for senior executives, partners and business owners
You've built wealth. Now build a plan to make work optional.
Know when work can become a choice, what you can enjoy now, and what to do next. One joined-up plan for your pensions, investments, shares or business.
Most advisers start with money. I start with your life.
Chartered Financial Planner
Fellow of the PFS
14+ years advising
Fixed fees, agreed in writing
★★★★★ [4.9] on Google ([X] reviews)
You've done everything right. So why doesn't it feel like it?
Your career has gone well. Your income has grown. So has the complexity. Pensions from old roles. RSUs, an LTIP, partnership profits or a business. Bonuses, cash, a mortgage, school fees.
Individually, the pieces look fine. The harder question is what they mean together.
Are we going to be okay?
What can we enjoy now?
What should we do next?
What you get from working with me
One clear picture
Everything you own, owe and earn in one place, and what it actually adds up to.
A date work becomes optional
Your Freedom Number from your real numbers, not a rule of thumb.
A rule for the big decisions
Shares, bonus, pension, mortgage, school fees. Decided once, together, not one at a time.
Permission to live well now
Know what you can enjoy today, because the future is properly planned.
Who I help
Different situations. The same question: what does it all add up to?
Senior executives
RSUs vesting, an LTIP or IPO ahead, and your salary, bonus and shares all tied to one company.
"RSUs are vesting and I've never had a real strategy for what to do with them."
Partners
Big 4 and law firm partners. Strong profit share, capital tied up in the firm, and a pace you don't want forever.
"I earn well now. I want to make sure I'm not wasting the opportunity."
Business owners
Wealth tied up in the business. How to take money out tax-efficiently, and whether your personal finances are ready for an exit.
"One day I want to sell the business and I don't know if the personal finances are ready."
Here's how it works
1
Discovery Call
FREE · 45 MIN
What's changed, what matters, and an honest view of whether I can help.
2
The Work to Live Blueprint
One written plan: when work can become optional, what you can enjoy now, and a 12-month action plan.
3
Beyond the Blueprint
If you want it: an annual review and someone to think decisions through with before you act.
Client story: senior executive
"We earn well but finally have a strategy that connects everything together."
Dave earns over £260k, mostly in RSUs, and wasn't sure work could ever be optional. With a clear rule for every vest and higher contributions, his plan now projects over £2.5m at 60 instead of around £1m. And they're spending more on holidays now.
Individual example, not a typical outcome. Names changed. Projections are based on assumptions about growth, inflation and contributions and are not guaranteed. The FCA does not regulate cashflow planning. [ValidPath approval ref]
What clients say
[Google review 1. Pick one that names a life outcome, not "great service".]
[First name], Google
[Google review 2]
[First name], Google
[Google review 3]
[First name], Google
Meet Ian
I spent years in financial services focused on the wrong thing. Then I realised nobody was asking the question that mattered: what is the money actually for?
I built Work to Live around that. The plan should serve your life, not the other way around.
Chartered Financial Planner. Fellow of the Personal Finance Society.
More about IanMake Work Optional Scorecard
How close are you to making work optional?
Twelve questions. Three minutes. A clear view of where you stand, before you speak to anyone.
- Your Work Optional Score, out of 100
- Where your plan depends on things you don’t control
- The first things to focus on
Building Optionality
Strong foundations, with a few important gaps between your wealth and real choice over work.
Example result
Work optionality
72
Employer & business wealth
48
Life & wealth strategy
70
Focus first: too much of your plan relies on your next vest or payout.
You've built the wealth. Now work out what it means for your life.
Free. 45 minutes. No preparation and no pitch.
Book a Discovery Call.Or take the 3-minute Make Work Optional Scorecard
