What We Do

Straightforward planning. Real-life results.

Your money. Your life. Planned with purpose.

We start by understanding what matters most to you, then help you build a financial plan around it. Whether you're building, retiring, investing, or thinking about what’s next, we’ll give you the clarity, confidence, and control to move forward.

Financial Planning

Clarity for today. Confidence for tomorrow.

Most people spend their lives earning, saving, and hoping they’re doing the right thing with money, but hope isn’t a strategy. Financial planning gives you clarity, direction, and the confidence to make decisions without second-guessing.

We help you build a plan around what matters most. Not just investments or tax, but your life, the one you want to live now and in the future. It’s about making smart choices that support your goals, not just grow your money.

Whether it’s retiring early, starting something new, or just wanting to know you’ll be okay, we’ll help you map it out clearly, and stay on track as life evolves.

Retirement Planning

Make your money last. Enjoy life without second-guessing.

You’ve saved for decades, now it’s time to enjoy it. Retirement planning isn’t about chasing returns or sitting on your hands. It’s about having a clear, flexible strategy for spending your money with confidence, freedom, and purpose.

We help you:

  • Shift from saving to spending without fear of running out

  • Plan withdrawals from pensions, ISAs and investments tax-efficiently

  • Structure income to match the real phases of retirement

  • Adjust your strategy as life and priorities evolve

Whether you want to travel more, support family, or simply feel secure, we’ll help you make the most of what you’ve built, without worrying about tomorrow.

Investment Management

Grow your money without gambling. Stay invested with confidence.

Investing isn’t about beating the market or chasing the next big thing. It’s about staying in, staying calm, and staying focused. With a clear, evidence-based strategy, you can grow your money over time, without reacting to headlines or hype.

We help you:

✅ Build a diversified, low-cost portfolio aligned to your plan
✅ Stay disciplined through market ups and downs
✅ Reduce fees, tax drag, and emotional mistakes
✅ Focus on the long term, not the noise

You don’t need to predict the future. You just need a smart strategy, and the discipline to stick with it.

Tax and Estate Planning

Keep more of what you’ve earned. Pass on more of what matters.

Tax and estate planning isn’t about loopholes or last-minute tricks. It’s about structure, control, and making sure your money goes where you want, not to the taxman.

We help you:

✅ Maximise tax efficiency using ISAs, pensions and allowances
✅ Reduce unnecessary tax on income, gains, and inheritance
✅ Pass on wealth your way through gifting, trusts, and planning
✅ Help safeguard your family’s future with protection, discuss Wills/POAs

It’s not just what you’ve built, it’s what you get to keep, and who you pass it to.

The Financial Conduct Authority does not regulate Cashflow Planning.

The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested.

·        The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning

·        HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen

If you would like to understand more about how we may be able to help you, please get in touch

☎ 01326 33 33 55

✉ toby@betterlifefp.co.uk

Or fill out our contact form