The Blueprint answers three questions:

One plan. Not a stack of reports.

For senior executives, partners and business owners who have done well. The numbers are good. There are just more of them now, and they no longer fit neatly in your head.
The Blueprint answers three questions:
Are we going to be okay?
What can we enjoy now?
What should we do next?
Book a Discovery Call.Not ready to talk? Take the 3-minute Make Work Optional Scorecard
Typically £3,000, fixed in writing
One written plan + 12-month action plan
What you walk away with

Your Life & Wealth Plan

Five connected sections you can read, refer back to and make decisions from. Here's what each one gives you.
See it all in one place
Your Life & Wealth Picture
What you own, what you owe, and what the money isactually for.
Know when work becomes optional
Your Freedom Number & Freedom Age
How much you need and when you'll get there, from your real numbers.
Know what you can enjoy now
Your Live Well Now Number
What you can spend today without damaging the future. No more guessing.
Stop re-deciding the big things
Your Wealth Decision Map
A clear rule for your shares, bonus, pension, mortgage or business.
Know it works if life changes
Your Risk & Resilience Picture
Tested against a smaller payout, a career change or the unexpected.
Plus: your 12-month action plan
Every action with a priority, a deadline and an owner. You always know what's decided and what's next.
How it works

Six steps, from uncertainty to a plan you can use.

Based around your busy schedule
1
Discovery Call
FREE · 45 MIN
A conversation that starts with your life, not your finances. No pitch, no numbers.
2
Onboarding & Pre-Work
We gather what's needed: income, pensions, investments, goals. Without it feeling overwhelming.
3
Life & Wealth Conversation
90 MIN
We build your picture together, live, and start surfacing your Freedom Number and Freedom Age.
4
Blueprint Build
My work behind the scenes: analysing all five areas, stress-testing decisions, setting direction.
5
Blueprint Review
60 MIN
We walk through your completed plan together, in full.
6
90-Day Check-In
A structured review of progress, roughly three months later.
What we cover

Five areas. Every one connected.

Each one analysed on its own, but treated as one picture, not five separate conversations.
Tax & Pension Planning
Allowances, carry-forward, tapering and bonus planning, with the number and the deadline that matter.

RSU, LTIP & Business Strategy
A clear rule for employer shares and concentration risk. For owners: taking money out, company pensions and exit readiness.

Existing Policy Review
What you already hold, reviewed for suitability, charges and whether it still earns its place.
Wealth Strategy
An investment approach built around your Freedom Number, not a generic risk score.
Protection & Estate Planning
Cover, will and LPA assessed against what you would actually need them to do.
Client story: senior executive

Dave earns over £260k, mostly in RSUs. He wasn't sure work could ever be optional.

"We earn well but finally have a strategy that connects everything together."
Read Dave and Sarah's full story
What we did
His pension contributions were capped, so we put vested RSUs to work in ISAs and investments, with a clear rule for every vest. Paid down the mortgage. Protected his income, including the RSU portion.
What changed
Projected assets at 60 rose from around £1m to over £2.5m, driven by higher contributions. On track to make work optional by 60 or sooner, and spending more on holidays now.
Fees

Fixed, and agreed in writing before we start.

The Work to Live Blueprint

£3,000typical fee

Simpler situations from £2,500. Business exits, trusts or multiple entities from £3,500. Your exact fee is confirmed in writing first.
50% deposit to begin. No VAT. If the Blueprint doesn't deliver enough value, the balance is waived.
Book a Discovery Call.
Beyond the Blueprint (optional)
The plan is the start, not the finish.
Annual Life & Wealth Planning
Progress against your Freedom Number, what's changed, what to adjust.
Advice When It Matters
A bonus, a vest, a move. Someone to think it through with before you act.
Proactive Guidance
When tax rules or markets shift, what it means for your plan.
Someone in Your Corner
Keeps the plan alive and you moving toward the life it was built for.
Ongoing Partnership: typically £300 a month + 0.3% a year on advised assets. Lighter-touch options for simpler situations.
Implementation: typically £1,000 + 0.5%, capped at £5,000.

An honest conversation about where you are, and whether the Blueprint is the right fit.

If I'm not the right fit, I'll say so, and point you somewhere better.
Book a Discovery Call.Or take the 3-minute Make Work Optional Scorecard

Contact Us

email

hello@worktolivefp.com

telephone

01925 944879

visit us

Work to Live Financial Planning 73 Dingleway Appleton
WA4 3AG

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