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Our Philosophy

There are times when you really do need advice from a regulated financial adviser. However, on many occasions, you just need a bit of friendly money coaching. While building a financial plan is largely common sense, it can be difficult knowing where to start, but congratulations on taking the first step!

Our fairly-priced money coaching service has been designed to bring the best information and resources together in one place, and to help you get started on a plan for financial freedom.  Once you’ve taken the plunge and created your plan, as little as three hours per year might be enough to stay on track and make any changes along the way. Your money coach will ensure that you’re sticking to the task, sharing new resources for you to study and consider. With this help, you’ll be able to make your own informed decision.

Before you Start your Financial Plan

Here are some factors you should consider before starting a financial plan

  • Know your numbers – What do you earn? What do you spend? How much do you save? How big (if any) is your savings pot? What do you put aside for those special expenses? What might you need to retire comfortably?
  • Know your financial risk profile – Would you start up on your own? Would you borrow beyond your net worth? Would you prefer to keep all savings/investments accessible? Would you allow your savings to fall in value in the short term with the prospect of a greater longer term return? We all have a risk profile and, surprisingly, this changes very little throughout life – so, what’s yours when it comes to money?
  • Know your goals – Take time to create short, medium and long term goals, so you can implement the most effective financial plan. Whether it’s setting up a comprehensive investment strategy or just putting in place an effective savings plan, be as detailed as you can.

Creating a financial plan

Here are the steps you can take towards creating a financial plan:

  • Have a look around the Money Guidance site – it’s full of FREE tools and articles on a number of topics
  • Answer our 10 risk profiling questions for a summary of your own ability to tolerate financial risk and see how you compare to others. Be clear about why you want a financial plan – what are your priorities? For example, perhaps you want to make adequate provision for your retirement years or, alternatively, set up an effective investment strategy for the medium term (towards school fees, a holiday home, a sabbatical from work, etc.)
  • Book a session with us! It’s quick and easy to do – follow the link at the bottom of the page.
  • Complete as much as you can of the Fact Find Process (an online way to summarise your financial position in one place). This will help us guide you towards the most effective tools for you
  • Try an initial coaching session with a money coach. Finally, review the whole process. Did it work for you? Did you get what you wanted?

Next steps: book an appointment

It’s quick and easy to choose an appointment time to suit you: just use the calendar below. Once you’ve paid for your appointment, we’ll send you a link asking for a little more information. From there, we can get started on your plan.

Then once you’ve taken the plunge and created your plan, as little as three hours per year should be enough to stay on track and make any changes along the way.

Your money coach will ensure that you’re sticking to the task by sharing new resources for you to study and consider. With our guidance, you’ll be able to make your own informed decision.

Who will be advising you?

Phil Dodd has worked in the financial services sector for over forty years – both in senior management positions with large companies and in charge of his own Chartered Financial Planning businesses.

He holds an MBA from Manchester Business School and has also achieved Chartered FCSI and Chartered Financial Planner qualifications.

Despite heading up businesses, Phil has always been keen to interact with customers and, in recent years, has been focusing on increasing the number of people who can gain access to financial guidance and coaching – with a strong conviction that such help should not be limited to those who can afford to pay substantial fees.

Philip Dodd
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