Financial Coaching

Financial coaching can benefit people of all ages, and is particularly valuable for those who are starting to organise their finances, think more consciously about their future for the first time or who are entering a transition. It supports the development of practical skills, healthier money habits, and greater confidence in financial decision-making.

Starting where you are

It’s completely normal to feel uncertain about your finances.

Most people haven’t had access to financial education, and many have received mixed or unhelpful messaging about money.

Not understanding our financial situation clearly can be isolating. It’s something most of us are hesitant to talk about or to show our cards around.

These sessions are confidential, and this is a space where you can begin to understand where you truly stand, so that you can move forwards safely and at your own pace.

Sessions are a mixture of financial education, coaching and self inquiry.

You don’t need to have anything figured out to begin.

How Financial Coaching Can Support You Through Life Stages

Young Adults

Early career income management
Managing student loans/repayments
Working towards financial independence
Creating an emergency fund
Learning to budget
Starting to invest
Reducing financial anxiety
Navigating financial control in relationships
Merging finances with a partner

Midlife

Navigating income changes
Building long-term security
Retirement planning decisions
Deciding what to do with inheritance
Choosing insurance cover
Managing debt
Managing self-employed finances
Navigating redundancy decisions
Balancing finances with unequal incomes
Managing finances through separation

Retirement

Organising pension and income
Deciding when to retire
Planning inheritance and gifting
Feeling safe to spend savings
Planning for later-life care costs
Managing finances without family support
Avoiding outliving your savings
Managing state pension
Alternative pensions including buy to let etc.
Spending meaningfully and in ways that bring joy

Need help with something else? Reach out to me via the contact details at the bottom of the page.

The bare facts in the UK

Around 1 in 10 people in the UK have no savings at all.
Nearly 40% of UK adults have less than £1,000 in savings.
Over 50% of UK adults report losing sleep due to money worries.
Single people in the UK spend, on average, around £6,000 more per year to maintain the same standard of living as couples.
Over 8 million people in the UK are in serious debt.
Nearly a third (31%) of people earning over £100,000 a year feel pressure to increase their income due to a lack of a financial safety net.
Over half of people in the UK without a pension say they can’t afford to contribute to one.
Men are estimated to have 82% more in savings than women.

Financial insecurity isn’t a reflection of your intelligence or effort – it’s a reflection of the system and the tools you haven’t yet been given.

What to expect

Financial coaching is offered as a six-session container, designed to provide enough time for meaningful progress and integration.

After the initial six sessions, you’re welcome to continue with additional sessions—either as individual bookings or in further blocks of six.

For couples and individuals.

Each session lasts between 60 (individuals) and 90 minutes (Couples).

However, occasionally, I accept requests for longer sessions for individuals who feel they need more dedicated time.

Sessions take place online via zoom, or if you prefer, they can take place over the phone.

Sessions are booked in advance, and the full six-session container is paid for upfront. This supports commitment to the process and allows us to work together with continuity and focus.

If something unexpected arises, sessions can be rescheduled up to 24 hours before the scheduled start time.

What’s the difference between a financial coach and a financial adviser?

A financial coach helps you build clarity, confidence, and a sense of control over your money. The focus is on you — your habits, your decisions, and your relationship with money. Together, we work through things like budgeting, saving, debt, and making aligned financial choices in a way that feels practical and sustainable.

Because coaching is not tied to financial products, we have no incentive to sell you anything. This creates a space that is entirely focused on your best interests, helping you develop the understanding and confidence to make decisions for yourself. It is also accessible at any income level, making it a valuable starting point whether you’re just beginning or navigating more complex financial decisions.

A financial adviser, on the other hand, does recommend specific products and may manage your investments. Their role is most relevant once you have a strong foundation of assets to invest or are looking for technical, product-based advice only.

Many people find that building a strong foundation through coaching first allows them to approach financial advice later with greater clarity, confidence, and independence. However, after coaching, most choose to handle their investments themselves.

Pricing

I’m aware that people come to financial coaching from a wide range of circumstances and for many different reasons. With that in mind, I’ve structured my pricing to support accessibility, while also recognising that some clients are in a position to contribute more.

In order for my business to continue sustainably, I aim to receive a certain amount per session overall, and these tiers are designed to support that balance. You’re warmly invited to choose a rate that feels right for your current circumstances:

Standard Rate (Most common)
£40 × 6 sessions = £240

For those who are covering their needs and have a little flexibility

Supporter Rate
£60 × 6 sessions = £360

Covers your session and helps make it possible to offer lower-cost places for others

Reduced Rate
£30 × 6 sessions = £180

Available if the standard rate isn’t affordable for you (see guidance below)

Seperate rates apply for couples, please reach out for further advice.

Choosing a rate is an invitation to reflect on your financial situation. My intention is to keep these sessions accessible to all.

If you’re considering a reduced rate, please know that there’s no pressure or expectation to choose otherwise.

You’re welcome to pay what feels fair for your situation.

You will never be asked to explain or justify the rate you choose.

Consider Paying Less If You:

are supporting children or have other dependents
have significant debt
receive income support
have immigration-related expenses
are an elder with limited financial support
Have been denied work due to incarceration history
Have a history of slavery, sex work or financial abuse

Consider Paying More If You:

own the home you live in
have investments, retirement accounts, or inherited money
travel recreationally
have access to family money and resources in times of need
work part-time by choice
have a relatively high degree of earning power due to level of education or other privilege. Even if you are not currently exercising your earning power, I ask you to recognize this as a choice.

Please be mindful that if you choose a price at the lowest end of the scale when you can really afford the higher price, you are limiting access to those who truly need the gift of financial flexibility.

Levels of Financial Security

What may a "good enough" safety net look like?
* You have three months of essential expenses saved, covering your core living costs (your monthly outgoings multiplied by three), held in a tax-efficient wrapper with flexible access
* You are making the minimum workplace pension contributions through auto-enrolment
* You are living within your means (spending less than you earn and investing what’s left over)

* You are making the minimum payments on debt

What may a robust safety net look like?
* You have six months of essential expenses saved, with around £3,000 held in liquid accounts for immediate access
* You have long-term investments held in tax-protected wrappers to protect against inflation over time
* You are maximising workplace pension contributions, taking full advantage of employer matching where available
* You have a bridge ISA to allow access to funds before the statutory pension age
* You have multiple income streams to reduce reliance on a single source
* You have income protection insurance for periods of illness, redundancy, or loss of income
* You have written a will to ensure clarity and security for the future
* If you have children, you are contributing to a Junior ISA and or Junior SIPP to support their long-term financial foundation

What is Financial Independence?

* Your living costs are covered by your investments/passive income
* Your investments sustain themselves, even as you draw from them
* Work is optional and not required for income
* You control how you spend your time
* You have no unsecured debt
* You are protected against financial shocks
* You have flexibility to change how you live and work

Office Hours

I offer sessions on weekdays between 7:30pm and 9:30pm.
Additional availability is offered on Friday mornings between 10:00am and 12:00pm, and on Sunday mornings between 11:00am and 12:00pm.

Want to get booked in?

Reach out to me via email or text with your name, availability and desired pricing rate from above.

meaningfulmoneycoach@gmail.com

07577113233

Net Worthy

Financial Coaching