The Clarity Life Plan

Most financial advice starts in the wrong place.

Most financial advice starts in the wrong place.

Not with your life but with products.

The Clarity Life Plan changes that. It starts with your life first, so every financial decision finally fits together.

Book a Free Clarity Call.
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 fees are fixed. Agreed upfront, with no surprises. This is regulated advice, not general guidance.
So everything we recommend is specific to you, your situation, and your goals.

Starter

£1,995
book a call
Employed professionals. Single pension and ISA. Straightforward structure.
  • Life design session
  • Cashflow model
  • Written Clarity Roadmap
  • 12-month action plan
    Basic Tax Planning
    New ISA & pension recommendations

Core

£2,995
book a call
Equity Partners, Senior executives & business owners. RSUs, multiple pensions, bonus and equity planning.
  • Everything in Starter
  • RSU and equity strategy
  • Multi-pension & ISAs
  • Pension Allowance Planning
  • Business owner pension structure
  • Advanced Tax Planning
Most Clients

Complex

£4,995
book a call
Multi-entity, trusts, exit planning, IHT considerations.
  • Everything in Core
  • Trust and estate planning
  • Complex Tax Planning
  • Multi-entity structure review
  • Family Legacy Planning

Value guarantee

There is a 50% deposit paid upfront. If the plan doesn't deliver sufficient value after the two sessions, the balance of the planning fee is waived. In fact if feel that added no value we will refund your deposit.

No further obligation. No VAT on any service.

Example Core Deposit would be £1,495.  

financial products
ongoing-Partnership
investment Management

Implementation

All fees agreed before work undertaken.

Available Services

Pension and ISA consolidation - £500 per plan
General Investment Accounts (GIAs) - £995 per plan
Trusts and estate planning - From £1750
Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCTs) - From £2,500
Protection insurance - Commission via provider

Keep the plan alive as life changes.

Ongoing support is optional not every client continues. If you do, the fee depends on complexity, not assets. No exit fees. No lock-in. Cancel with 10 business days' notice.

✨
Starter
£125 - £175
per month
Included:
1 planning meeting per year

Perfect for less complex clients who want to maintain progress while taking a more hands-off approach between annual reviews. Typically employed.

✨
Core (Most Clients)
£225 - £295
per month
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.

✨
Bespoke
From £395
per month
Included:
Meetings as required

For clients with complex financial situations who need regular support, legacy planning and meetings with other family members

Investment Management

0.3% of Invested Assets

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 believe this is fairer approach than the typically 1% fee that many firms charge.

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.

worktolivefinancialplanning

“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

work to live financial planning.

“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.
‍
Now, Mark has stepped back from his business. Julia feels empowered to grow hers.
‍
And they’re planning a holiday home in Spain with total confidence in the future.

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

work to live financial planning.
work to live financial planning.
work to live financial planning.

Ready to find out if I'm the right fit?

Book a free 30-minute Clarity Conversation.

Free. No pitch. No obligation. I'll tell you honestly whether I think I can help.
Book A clarity Call Today

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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