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● About Us
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.
● Meet Your Financial Planner
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:
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Taxation
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Trusts
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Investment Portfolio Management
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Pensions Legislation
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Equity Release
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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
The Core Philosophy
We offer guidance and strategy across a wide range of planning needs, including:
Retirement & Income Planning
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Creating sustainable retirement income strategies
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Forecasting income needs and future shortfalls
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Planning for early or phased retirement
Tax & Estate Planning
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Tax-efficient withdrawal and investment strategies
Inheritance tax mitigation
Wealth transfer and succession planning
Cashflow Forecasting
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Identifying shortfalls or surpluses
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Helping you prepare for major life events
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Supporting long-term financial confidence
Strategic Life Planning
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Aligning your financial plan with your values and goals
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Support through business exits, career changes, or family transitions
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Financial planning for family-owned businesses and entrepreneurs
Independant & Unbiased Guidance and Strategic Planning
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.
Our Philosophy
At Pecunia Financial Planning Limited, I believe in a client-centric approach that prioritises your financial well-being. Our comprehensive services are designed to address your unique financial situation and goals, providing you with a clear and achievable path to financial security.
Four Key Aspects of Our Philosophy
Comprehensive Planning
Integrating all aspects of your financial life to create a holistic plan.
Client Education
Empowering you with the knowledge to make informed financial decisions.
Sustainable Strategies
Focusing on long-term financial health and stability.
Trusted Partnership
Building lasting relationships based on trust and mutual respect.
