Welcome to Pecunia Financial Planning Limited

Greg Heath, Managing Director

​As the Managing Director of Pecunia Financial Planning Ltd, Greg brings over 35 years of experience in the financial services industry. He is based in central Lancashire, England and has clients across the UK.

Greg has previously worked for some of the most respected financial institutes in the UK gaining a wealth of experience in the pension & investment fields with specialist qualifications in Taxation, Trusts, Investment Portfolio Management, Pensions Legislation, Equity Release and Long Term Care.  This resulted in him setting up his own IFA practice in 2003 called Derbyshire Booth Financial Management Ltd specialising in the pre/post retirement market.  This highly successful business grew rapidly and was acquired in 2019 by a national brand resulting in him retiring in 2021.

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Since then he has continued to keep abreast of financial services regulations and still receives a regular flow of client enquiries wanting help and guidance on their financial affairs.  This has resulted in him setting up Pecunia Financial Planning Ltd in April 2024.

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Greg now provides a highly personalised service to individuals, business owners, and their families alike.

His focus on areas include creating retirement strategies, tax planning for wealth strategies, estate planning, cashflow forecasting and major life events such as a inheritance, death of a loved one or divorce.

His goal, simply put, is to help clients manage their money more effectively and achieve their financial objectives and ultimately give them and their loved ones or colleagues peace of mind.

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This involves:

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• Develop and implement long term comprehensive financial plans that align with your ’ values and goals. This means we want long term relationships with our clients that last years NOT just a few months.

• This goes way beyond just financial advice and managing client money.  Its about understanding your goals, ethics and values to ensure they are making the most of all opportunities and keeping abreast of legislation as it evolves.

• We create a financial forecasts for you to offer a pathway to a comfortable retirement, free from stress and anxiety that often accompanies such big events.

• Collaborate with tax and legal advisers to maximise opportunities and protect assets especially when it comes to inheritance taxes.

• Advise our clients on retirement income strategies, ensuring their resources last throughout their lifetime.

• Provide guidance on estate planning and wealth transfer to ensure a smooth transition for the next generation.

• Offer support during significant life transitions such as business exits, retirement, and divorce.

Specialties:

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• Creation of tax-efficient withdrawal strategies.

• Cashflow forecasting to identify any shortfall (or surpluses) so there are no surprises later.

• Inheritance tax and succession planning.

• Managing and advising on retirement income options.

• Providing financial planning for family-owned businesses and corporates.

• Strategic financial life planning.

Client Relationships: We place high importance on fostering mutually honest and transparent relationships. By understanding clients’ values and objectives, and separating the delivery of my service from the value of their life savings, we build trust and deliver the best possible outcomes.

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My responsibility is to you, our client. I do not act as a third party to product providers or investment managers.  We do not have access or ask for authority to access your saving, investment or pension at any time.  We only give you the tools to make informed decisions and implement any changes required yourself.

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Pecunia Financial Planning Limited has chosen not to be FCA regulated as we do not sell or advise on investment, pension or insurance related products.  

Instead we focus on financial planning, guidance and education for our clients to help them do it for themselves (or DIY) with significant costs savings and ultimately more control over their finances

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