Welcome to Pecunia Financial Planning

The world of financial advice has become increasingly complex over the past decade. With more regulations, rising fees, and bureaucratic hurdles - many people find themselves struggling to access clear, strategic financial guidance. This has led to the creation of an "advice gap"—where individuals either forgo expert financial planning due to high costs or attempt to navigate the vast online world of financial information, often at the risk of misinformation or scams.  Others have had a poor experience with poor advice and / or service whilst paying huge fees for the privilege. 

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Navigating the Complex Financial Landscape

 

At Pecunia Financial Planning, we bridge this gap by offering independent financial education and strategic guidance. Unlike traditional financial advisors, we do not sell or manage investment or pension products.

 

Instead, we empower you with the knowledge and tools to take control of your financial future—potentially saving you thousands of pounds over the years whilst giving you complete control.

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Defining Your Financial Future

 

Before making any financial decisions, it’s crucial to define what your future looks like for you. What are your views and values? What are your long-term aspirations? A second home in the sun? Early retirement? Funding private education for your children? Building a business or investment portfolio? What does your ideal future look like?

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This is known as your life plan and is the centre of everything we do.

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Life planning is the process of consciously designing your ideal life and setting goals to realise that vision. It involves assessing your values, interests, hobbies and ambitions across your life like career, finances, health, relationships, and personal growth. 

 

Life planning bridges the gap between where you are now and where you want to be by identifying short and long-term objectives and developing detailed, actionable strategies to achieve them. In short we create a roadmap for your future.

 

​Once your vision is clear, we help you determine the financial targets required to achieve it and over what timescale. Using our CashCalc solution, we create a roadmap, calculating the wealth you need and the timeframe to reach your goals—whether that’s £1 million, £5 million, or more.  Only when we have a clear target can we explore the best strategies to help you get there. This might involve:

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• Scaling an existing business

• Starting a new venture

• Building a property portfolio

• Investing through an investment platform

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Taking Control of Your Investments

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Many people seek a cost-effective way to manage their own investments. Investment platforms—also known as fund supermarkets—offer a centralised way to hold and manage assets such as pensions, ISAs, and investment portfolios. These platforms are designed for individuals who want to make their own investment decisions, offering flexibility and control.

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With a vast array of platforms available, choosing the right one can be daunting. We guide you in selecting the most suitable options, aligning them with your financial objectives and risk appetite.

 

A Tailored Approach to Financial Guidance

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We recognize that every person has unique financial needs. Some require only initial guidance, while others benefit from ongoing strategic planning.

 

Our services are designed to be as flexible as you need—whether it's a one-off consultation, monthly check-ins, or annual reviews.

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Take the First Step

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We offer a free, no-obligation consultation to assess your financial situation, outline our services, and discuss associated costs. This allows you to make an informed decision at your own pace.

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Contact us today to start building a life plan that works for you.

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