Bespoke Sessions. One Clear Direction

What you get with the Clarity Life Plan

Life Design - First

Before any numbers, we talk about what a genuinely good life looks like. What the money is actually for.

When Work becomes Optional

A specific date from your actual numbers. Full cashflow model showing what it takes to get there.

Your financial picture mapped

Every pension, ISA, investment and asset mapped. Where you're strong and where to focus.

Financial Forecasting

Scenario planning - career change, scaling back, selling a business, other life events. Confident in your options.

Tax Strategy

Pensions, ISAs and investments structured to support your life in a tax-efficient way.

Your Clarity Life Plan

Prioritised, actionable plan covering every element of your financial life with priorities & action items.

Life Design - First

Before any numbers, we talk about what a genuinely good life looks like. What the money is actually for.

When Work becomes Optional

A specific date from your actual numbers. Full cashflow model showing what it takes to get there.

Your financial picture mapped

Every pension, ISA, investment and asset mapped. Where you're strong and where to focus.

Financial Forecasting

Scenario planning - career change, scaling back, selling a business, other life events. Confident in your options.

Tax Strategy

Pensions, ISAs and investments structured to support your life in a tax-efficient way.

Your Clarity Life Plan

Prioritised, actionable plan covering every element of your financial life with priorities & action items.

Want to explore if it’s right for you? Book a Free Clarity Call.

Our Fees

Our planning fee is fixed. Agreed upfront, with no surprises.

Clarity Life Plan

£3,495

Apply for a clarity conversation

Six Planning Areas

Every area of your financial life examined together, not in isolation.

‍Life, Priorities & Freedom Age

‍What matters most. What you want the next decade to look like. The age work becomes a choice, not a necessity.

Tax & Pension planning

‍Contributions, allowances, salary sacrifice, bonus strategy and personal allowance taper.

RSUs & Equity

‍Vesting schedules, sell/hold decisions, concentration risk and how equity fits the wider plan.

‍Existing plans

‍Every pension, ISA, investment and protection policy reviewed & mapped into your financial plan.

Wealth & investment strategy

‍ISA, GIA, pension and cash working together to serve your life.

Protection & estate planning
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Income protection, life cover, LPAs, wills and IHT basics.

Value guarantee

There is a 50% deposit paid upfront. If you feel the plan & recommendations didn't deliver sufficient value the balance of the planning fee is waived.

No VAT on any service.

Example Core Deposit would be £1,495.

Implementation

All fees agreed before work undertaken.

Available Services

Pension, ISA, Investment Account - £995 plus 0.5% capped at £5,000

Trusts and estate planning - From £1750

Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCTs) - £2,500 plus 3%

Protection insurance - Commission via provider

Keep the plan alive as life changes.

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Core (Most Clients)

£295 plus 0.3% p.a. on invested assets

Included:

2 to 4 meetings per year

Recommended for clients with evolving financial situations with extra complexity who benefit from more regular strategic reviews and adjustments.

Investment Management

Included in your ongoing partnership

What's Included

Our investment oversight isn't about chasing performance. It's about making sure your portfolio remains aligned with your goals, tax-efficient, and strategically structured.

Review of your products, risk profile, platforms, and contribution or withdrawal strategy annually
Guidance on deploying new capital and managing drift over time
Designed for clarity, not complexity

We finally feel like we’re in control of our future & can travel without guilt.”
‍Josh and Mandy had over £750k in pensions but no clear idea if they were financially secure.
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.

“We earn well but finally have a strategy that connects everything together.”
‍
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

“My only regret? We should have got this advice 10 years earlier
‍
‍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...

The Clarity Life Plan

Most financial advice starts in the wrong place.

What you get with the Clarity Life Plan

Life Design - First

When Work becomes Optional

Your financial picture mapped

Financial Forecasting

Tax Strategy