Here's how it works.

Financial Planning That Helps You Design the Life You Actually Want

Two planning sessions. A full cashflow model. A written Clarity Roadmap. Everything joined up, implemented end to end with ongoing support.

Book a Clarity Callhear from our clients

who we 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 life the future you worked for.

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

Career Accelerator

Income is there.
The strategy isn't .

Income jumped with a new role or the business. You know the decisions you make now compound. You want structure, clarity and permission to enjoy life

"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.

How We’re Different

Our planning starts with your life, not just your finances.
Discover what sets us apart.

01

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.

02

Fixed fee. No surprises.

Every fee agreed in writing before work begins. You won't be pushed into products. No percentages on implementation, no hidden charges, no exit fees.
03

Coaching-led approach

This isn't just financial advice, it's a thinking environment. I hold space for big decisions and ask the questions nobody else does. I believe better questions led to better answers.
04

In control at every stage

You get a written Clarity Roadmap at every stage. Not a folder of policy documents but a plan you can actually follow.
05

Implementation included

I coordinate everything end to end from  pension consolidations, ISA setup, protection arranged. Fixed fees, agreed before work begins.
06

Not a 1% firm

Your fee depends on complexity, not the size of your assets. As your wealth grows, the total cost as a percentage actually falls every year.

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

This is what we help with.

Life design

Life vision & values

Financial objectives

Future events

Financial forecasting

Wealth strategy

Investment & risk discussion

Financial analysis

Tax & pension planning

Investing strategy

Pensions & investments

Whole of market research

Research & recommendation

Independent whole-of-market advice

Financial forecasting

Protection & resilience

Insurance review

Financial plan stress test

Whole of market independent advice

Emergency doc, wills & POA

Implementation & Set up

Financial plan document

Implement advice

Deal with existing providers

Resolve outstanding actions

Ongoing Partnership

Regular meetings

Life event planning

Wealth strategy

Financial advice

Investment management

financially we will ensure that you...

You have the right financial foundations in place

Your wealth is structured to be tax-efficient

Your family is protected if something goes wrong

You're investing enough to reach the life you want

You have a strategy in place - not just a pile of products

You're balancing living well now with taking care of the future

See what's included and what it costs.

Fixed fees. Agreed in writing. No surprises.
Book a Clarity CallSee the Clarity Life Plan

“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
Smiling woman with glasses sitting behind an Apple laptop in a bright room.
White arrow pointing left on an orange rounded square background.
Right arrow icon in a purple square shape.

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

visit us

Work to Live Financial Planning 73 Dingleway Appleton
WA4 3AG

Legal

Privacy Policy
Copyright © Work to Live Financial Planning 2026