Most advisers start with money.

I start with your life

I help senior executives and partners in their 40s turn income, pensions and investments into a clear plan. So you know what you can spend, what you need to save & when work becomes optional.
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Meaning you can live well now without messing up the future.

"For the first time, we feel completely in control like everything finally connects.

‍Dave · Senior Executive

Chartered Planner
‍14 plus years advising

Fellow of the PFS
‍fewer than 1,000 in the UK

Certified Coach
better conversations

FCA Regulated
Ref 845469

You've done everything right.

So why doesn't it feel like it?

Most people I speak to are doing well. Good income. A pension somewhere. An ISA ticking along.

But when you step back, it’s not really joined up. There’s no clear answer to the big question:

Are the next five or ten years actually being used properly? Because this is your peak earning window.

And the decisions you make over the next decade will define what life looks like when work is no longer the priority.

  • No clear picture of when work could become genuinely optional?
  • RSUs vesting with no real strategy for what to do with them?
  • A pension no one looked at for years?
  • High income but no overall strategy?
"We work really hard to enjoy time when we are not as able to enjoy it. It's a really backward way, isn't it?"
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‍From client call
Book a Clarity Call.
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This is what changes.

Clarity on when work becomes optional

Permission to spend now without guilt

A written plan you can actually follow

Tax efficiency matched to your income level

This isn't traditional financial advice.

It's not about products. It's about a Clarity Life Plan.

I've sat with enough people in your position to know the picture is usually better than you fear. It just needs someone to look at it properly.
Most financial advice starts with what you've got risk profile, which product fits. In fact you probably start with an adviser who tried to sell you a pension.

That's the wrong order. I start with your life, what really matters and what your ideal future looks like.  Then together we build a financial life plan around that.

Fixed fee, agreed in writing before any work begins.
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work to live financial planning

What's included

The Clarity Life Plan

Two sessions. Full cashflow model. Written Clarity Roadmap. Everything joined up.

From £1995

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Life Design - First

Before any numbers, we talk about what a genuinely good life looks like to you. What you want work to look like in 10 years. What the money is actually for. This shapes everything that follow and is the basis for any plan.
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When Work becomes optional

A specific date, built from your actual numbers not a rule of thumb. Full cashflow model showing when work could become genuinely optional and what it takes to get there.
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Your Written Clarity Roadmap

A prioritised, actionable plan covering every element of your financial life - in order of impact, with a 12-month action plan. Something you can actually follow and take action with.
See what's included
Smiling man with folded arms wearing a black polo shirt with Worktolive logo, standing indoors with plants in the background.

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.

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"For the first time, we feel completely in control like everything finally connects."
‍Josh and Mandy had over £750k in pensions but no clear idea if they were financially secure.

Together we built a plan to make work optional within five years, restructured their pensions & created clarity around what they really needed.

They now contribute £3,000/month to pensions, saving over £40k in tax & feel confident increasing their travel without compromising their future.

Real clients, real stories
Individual example not a typical outcome. The value of investments can fall as well as rise.

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“We earn well but finally have a strategy that connects everything together.”
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Dave, a senior exec earning over £260k (mostly in RSUs), wanted to knowif work could be optional by 60. We mapped out their full financial life,optimised investments & protected income including the RSU portion.

Now, their projected retirement assets have grown from £1m to £2.5m, andthey’re spending more freely while knowing their future is secure.

Dave, Senior Executive

work to live financial planning.

“My only regret? We should have got this advice 10 years earlier
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‍Julia and Mark wanted to stop work at 60 without sacrificing their lifestyle today. We built a plan around what mattered most which including setting up SIPPs to buy commercial property, unlocking £37,500 in tax savings, and reshaping their pensions for long-term flexibility.
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Now, Mark has stepped back from his business. Julia feels empowered to grow hers.
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And they’re planning a holiday home in Spain with total confidence in the future.

Don't just take our word for it...

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work to live financial planning.
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Ready to start?

It starts with a conversation.

Most people who speak to me say the same thing. We wish we done it sooner

Contact Us

email

hello@worktolivefp.com

telephone

01925 944879

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Work to Live Financial Planning 73 Dingleway Appleton
WA4 3AG

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