How it works
MoneySense uses clear, collaborative steps, designed to help give you confidence in your financial future, without product sales.
I help you understand where you are today, what your future might look like, and what options you may want to consider, so you can make informed decisions with clarity and confidence.
Step 1: A free introductory conversation
No cost. No obligation. No preparation needed.
We begin with a relaxed conversation to understand:
- what has prompted you to seek guidance
- what you’re most unsure of, or concerned about
- what you’d like clarity on
This call helps us both decide whether MoneySense is right for you and what areas would be most valuable to explore.
If it isn’t a good fit, I’ll tell you.
Step 2: Information Gathering (Where Relevant)
If we decide to proceed, we’ll gather the information needed to build a clear picture of your finances.
With your permission, this may include:
- pensions
- investments and savings
- insurance policies
- relevant tax information
Where possible, I’ll help you collect this efficiently and keep things as straightforward as possible.
Step 3: Summarise What You Have
I’ll review and summarise your existing arrangements, focusing on:
- costs and charges
- underlying investments
- tax implications
- pros, cons and any relevant gaps
This step often brings immediate clarity and reassurance by turning complex information into something clear and understandable.
Step 4: Build Your Financial Picture
Next, we look ahead. Together, we explore:
- what you want your future to look like
- lifestyle goals and priorities
- when you may want to stop or reduce work (if relevant)
This helps you understand how your financial life may unfold over time.
Step 5: Explain Your Options
For any agreed area of review, I’ll explain the options available along with the pros and cons of each. This may include:
- taking action
- doing something differently
- or choosing to do nothing
Every option, including doing nothing, has advantages and disadvantages. My role is to explain them clearly, not to recommend a specific course of action.
Step 6: What You'll Receive
At the end of the discussions, you’ll receive:
- a concise, written summary of what we’ve discussed
- key observations and areas to consider
- any actions you may wish to explore
- a summary of your cashflow and tax considerations (where relevant)
Everything is written in plain English and designed to give you clarity, confidence, and control.
Next Steps
By the end of our discussions, you’ll have a clear understanding of your financial situation, your potential future outcomes and the options available to you. You stay fully in control of any decisions, equipped with more knowledge, clarity and confidence to plan your financial future on your terms.