who I work with.

Different situations. Same starting point.

The financial complexity differs. That feeling that it's never been properly joined it all up is the same.

Senior Executive

You've built it.
Now let's join it up.

High income. Bonuses. RSUs vesting. Pensions from previous employers. You're thinking about what work optional really means and whether you're actually on track.

"RSUs are vesting and I've never had a real strategy for what to do with them."

view case study

Business Owner

The business is working.
Is the personal plan?

Wealth tied up in the business. Personal and company finances linked. An exit somewhere on the horizon. You want to know what it all adds up to and that you will live the future you sacrificed for.

"One day I want to sell the business and I don't know if the personal finances are ready."

view case study

Big 4 Equity Partner

Income is there.
The strategy isn't .

Income jumped since you made partner but you haven't had a chance to sort your strategy. You know the decisions you make now compound and want to make sure you can leave on your terms.

"I earn well now. I want to make sure I'm not wasting the opportunity."

view case study

Please note, a pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances. The Financial Conduct Authority does not regulate Cashflow Planning.

What's Different

Financial planning starts with your life, not just your finances.
Discover what sets Work to Live apart.

Life first, always

I don't begin with products. I start with your values, goals, and what a genuinely great life looks like then build the strategy to support it.

Clear fees. No surprises.

Every fee is agreed in writing before work begins. No hidden charges. No exit fees.
Any new products needed will be determined by the financial planning.

Decision-led planning

A structured conversation around the big decisions: what you want life to look like, when work becomes optional, and what needs to happen next.

BLUEPRINT
£1,995

tell me more

For Professionals who want structure, direction, and confidence around their next financial moves.

Working towards a specific goal or want to have a solid foundation in place.

90-minute planning session + personalised Financial Blueprint PDF.

Walk away with clarity, direction, and a simple plan you can act on immediately.

MASTERY
£4,995

tell me more

High achievers looking to realign their life and wealth for deeper purpose, freedom, and impact.

A transformational programme for those that are ready.

90-day deep dive. 4 SESSIONS - Life planning, vision mapping, WEALTH strategy, ROADMAP.

Realign your wealth with your life and move forward with confidence.

PRIVATE OFFICE
£9,995

tell me more

Ultra-high-net-worth clients with complex needs or family structures.

fOR CLIENTS WITH COMPLEX multigenerational decisions IN NEED OF big-picture guidance.
‍

a BESPOKE SERVICE DESIGNED AROUND ALL YOUR FINANCIAL & LIFE NEEDS.
‍
Trusted partner for long-term wealth direction & FINANCIAL DECISIONS.

find out more about our service here

Here's how it works.

My clients have done everything right financially but nobody has ever properly joined the full picture up for them.

Step 1

The Clarity Conversation

A free 45-minute call. You tell me what is going on, what is on your mind, and what you want life to look like. I will tell you honestly whether I think I can help. No prep or admin needed pre-meeting.

Step 2

The Clarity Life Plan

We map everything properly. Cashflow model. Tax position. Pensions. Investments. Future options. Then I build your Clarity Roadmap, including what it would take for work to become optional.

Step 3

Ongoing Support

If there is action that needs to be taken regarding policies, I coordinate it end to end. Providers, transfers, applications. As well as ongoing planning & reviews. The plan stays live as life changes.

“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.

Real Clients, Real Stories.

“My only regret? We should have got this advice 10 years earlier – it is really like seeing the future. I cannot recommend Ian highly enough, whether it is tax efficiencies or financial planning, or even just a chat to see if he is right for you, I would suggest getting in touch.He understands the value of trust and relationships, and confidence and has a practical, no-nonsense approach and this fits perfectly with hardworking business owners.”

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

caroline, pink spaghetti

Woman with blonde hair and glasses wearing a bright pink shirt against a pink and gray background.

“Work to Live Financial Planning has helped my clients with practical, efficient advice to help them plan for the future.
Ian takes into consideration their plans for the future to ensure that are setting themselves up correctly - highly recommended.”

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

caroline, pink spaghetti

Here's how it works.

Financial Planning That Helps You Design the Life You Actually Want

who I work with.

Different situations. Same starting point.

Senior Executive

Business Owner

Big 4 Equity Partner