Services & Pricing
Clear pricing, no hidden fees. Choose the level of support that matches your needs and budget.
Individual Sessions
Flexible consultations for specific questions or ongoing guidance.
Initial Assessment
A comprehensive review of your current financial situation. We analyse your income, expenses, debts, and savings to create a baseline understanding of where you stand.
Follow-Up Session
Progress check and strategy adjustment. We review what's working, address challenges, and refine your approach based on real-world results.
Quick Consultation
Focused session for a specific question or decision. Ideal when you need guidance on a particular choice but don't require a full review.
Structured Programmes
Multi-session packages for comprehensive financial transformation.
Budget Foundations
Four-session programme covering income analysis, expense tracking, spending plan creation, and habit formation. Includes templates and tools to maintain your budget independently.
Debt Freedom Path
Six-session programme for those carrying significant debt. We develop a realistic payoff strategy, negotiate with creditors where appropriate, and build systems to prevent future debt accumulation.
Retirement Readiness
Five-session programme for those within 10 years of retirement. Covers pension review, retirement income planning, spending adjustments, and transition strategies.
Business & Personal Separation
Four-session programme specifically for self-employed individuals and small business owners. Establish clear boundaries between business and personal finances.
Ongoing Support
Monthly retainer options for continuous accountability and guidance.
Monthly Check-In
One session per month plus email support between sessions. Ideal for maintaining momentum and having a regular accountability partner.
Intensive Support
Two sessions per month plus priority email support and quarterly strategy reviews. For those navigating complex transitions or building new financial habits.
Group Workshops
Learn alongside others in a supportive group environment.
Budgeting Basics Workshop
Three-hour workshop covering fundamental budgeting principles. Interactive exercises, group discussions, and take-home resources. Maximum 12 participants.
Couples & Money
Half-day workshop for couples who want to align their financial approaches. Covers communication strategies, shared goals, and practical systems for managing money together.
Service Comparison
| Feature | Individual Sessions | Structured Programme | Ongoing Support |
|---|---|---|---|
| Initial Assessment | Optional | Included | Included |
| Custom Strategy | Basic | Comprehensive | Comprehensive |
| Email Support | Not included | During programme | Continuous |
| Templates & Tools | Basic | Full suite | Full suite |
| Progress Tracking | Self-managed | Guided | Guided |
| Best For | Specific questions | Major changes | Long-term growth |
How Sessions Work
Preparation
Before your session, you'll receive a brief questionnaire. This helps us use time efficiently by understanding your situation before we meet.
Discussion
Sessions can be in-person at our Cardiff office or via video call. We review your current position, discuss challenges, and explore options.
Action Items
Every session concludes with clear, specific actions. You'll know exactly what to do next and why it matters for your goals.
Follow-Up
Within 48 hours, you receive a written summary of what we discussed and the agreed next steps. This becomes your reference between sessions.
Why Invest in Financial Guidance
Save More Than You Spend
Most clients identify more in potential savings than the cost of our services within their first session.
Avoid Costly Mistakes
Understanding your options prevents poor decisions that could cost thousands in the long run.
Reduce Financial Stress
Clarity brings peace of mind. Knowing where you stand and having a plan reduces anxiety significantly.
Stay Accountable
External accountability increases follow-through dramatically. We help you stay on track when motivation fades.
Frequently Asked Questions
Absolutely. Many clients start with individual sessions to test the fit, then move to a structured programme or ongoing support. Others complete a programme and transition to occasional check-ins. We adapt to your evolving needs.
We require 24 hours notice for cancellations or reschedules. With adequate notice, there's no charge. Late cancellations may incur a £25 fee to cover the reserved time. We understand emergencies happen and handle those on a case-by-case basis.
Yes. For structured programmes, we offer the option to split payment across the programme duration. This means no large upfront cost, and payment aligns with the value you're receiving. Details are arranged during your initial consultation.
Completely. Everything discussed remains private. We don't share information with partners, family members, or anyone else without your explicit written permission. Your financial situation is treated with the same confidentiality as medical records.
Ideally, recent bank statements, a rough sense of monthly income and major expenses, and any specific questions you have. Don't worry if you don't have everything—we work with what's available and can request additional information later.
Not Sure Where to Start?
Reach out and we'll help you identify which service best fits your situation. No obligation, just guidance.
Get in Touch