Meet Your Financial Planner

Greg Heath, Managing Director

About Pecunia Financial Planning Ltd

At Pecunia Financial Planning Ltd, we specialise in providing independent, client-focused financial guidance to individuals, families, and business owners across the UK.

Founded by Greg Heath in April 2024, the firm brings a fresh, modern approach to financial planning—built on over 35 years of industry experience and a deep commitment to personalised service.

About Greg Heath – Founder & Managing Director

Based in Central Lancashire, England, Greg Heath has enjoyed a distinguished career in the financial services industry spanning more than three decades. Throughout his career, he has worked with some of the UK’s most respected financial institutions, gaining specialist qualifications in:

​

• Taxation

• Trusts

• Investment Portfolio Management

• Pensions Legislation

• Equity Release

• Long-Term Care Planning

In 2003, Greg established Derbyshire Booth Financial Management Ltd, an Independent Financial Advisory (IFA) firm focused on the pre- and post-retirement market. The firm quickly grew into a highly successful business and was acquired by a national brand in 2019, prompting Greg’s retirement in 2021.

Despite stepping back, Greg continued to stay up to date with financial services regulations. A steady stream of client enquiries inspired him to return and launch Pecunia Financial Planning Ltd—an independent, non-regulated financial planning service designed to empower clients to take control of their financial futures.

What We Do

At Pecunia, we believe financial planning should be transparent, tailored, and truly independent. We do not sell or recommend investment, pension, or insurance products. Instead, we focus on financial planning, guidance, and education, helping clients make informed decisions and take control of their finances—without the high costs of traditional advisory models.

Our approach centers around:

• Building long-term relationships based on trust, clarity, and shared values

• Developing bespoke financial plans that align with your goals and life circumstances

• Providing expert support through key life events such as inheritance, retirement, bereavement, or divorce

Core Services

We offer guidance and strategy across a wide range of planning needs, including:

Retirement & Income Planning

• Creating sustainable retirement income strategies

• Forecasting income needs and future shortfalls

• Planning for early or phased retirement

Tax & Estate Planning

• Tax-efficient withdrawal and investment strategies

• Inheritance tax mitigation

• Wealth transfer and succession planning

Cashflow Forecasting

• Identifying shortfalls or surpluses

• Helping you prepare for major life events

• Supporting long-term financial confidence

Strategic Life Planning

• Aligning your financial plan with your values and goals

• Support through business exits, career changes, or family transitions

• Financial planning for family-owned businesses and entrepreneurs

Our Philosophy

Our mission is simple: to help you manage your money more effectively and achieve financial peace of mind.

We prioritise honest, transparent relationships over transactions. Because we don’t manage or hold client assets, our loyalty lies solely with you—the client. We give you the knowledge and tools to act independently, with our support every step of the way.

We collaborate with your chosen tax and legal professionals to deliver integrated solutions, ensuring every opportunity is optimised and every risk carefully managed.

Why Choose Pecunia Financial Planning?

• Independent & Unbiased Advice
  We don’t sell products. We provide education and strategy so you stay in control.

• Cost-Effective Support
  By avoiding traditional commission structures and product sales, we help you save money while gaining clarity and confidence.

• Tailored Planning
  No two clients are alike. We take time to understand your unique goals, values, and life circumstances before building a strategy that works for you.

• Ongoing Guidance
  Financial planning isn’t a one-time event. We’re here to support you as your life evolves.

Pecunia Financial Planning Ltd is ideal for clients who:

• Want clear, practical advice without sales pressure

• Prefer a DIY financial planning approach with professional support

• Need help navigating life’s financial complexities, from retirement to inheritance

• Value independence, clarity, and long-term planning over quick fixes

Let’s Talk

Whether you're planning for retirement, navigating a major life transition, or simply want a clearer picture of your financial future, Pecunia Financial Planning is here to help.

Contact us today to arrange a free initial conversation and discover how we can help you take control of your financial journey—with confidence, clarity, and peace of mind.

​​