Work to Live Blueprint

One clear plan for the wealth your built.

Understand what your money actually means, make the big decisions with confidence and create a plan to make work optional.

Ian brought clarity to our decisions, we finally feel in control of our money & future.
£3,000 Initial Investment
Man with brown hair wearing a beige shirt and white t-shirt sitting indoors with green plants and a window in the background.

The Blueprint answers the questions that really matter

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.
When could work become optional?
What to do with RSUs, LTIP or bonuses?
How much can we spend now?
Does the plan still work if the future payout doesn’t happen?
Should we pay down the mortgage or invest more?
Are we using these peak earning years to maximise opportunies?

BLUEPRINT
£1,995

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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

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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

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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.

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

Our Fees

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

Work to Live Blueprint - your life & wealth plan.

£3,000 initial investment
book a free discovery call to find out if it's right fit for you
financial products
ongoing-Partnership
investment Management

Implementation

All fees agreed before work undertaken.

Available Services

Pension, ISA, Investment Account - £1,000 plus 0.5% capped at £5,000
Trusts and estate planning - From £2,500
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.

✨
Work to Live Partnership
£300 fixed fee p.m. 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.

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 45-minute Discovery Call.

No pre-meeting homework. No pitch. No obligation. I'll tell you honestly whether I think I can help.
Book A Free Discovery Call Today

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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What's Different

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

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.
03

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