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● Our Services
Structured financial planning. Clear guidance. Built around you.
At Pecunia Financial Planning Limited, we provide independent financial planning — not regulated financial advice and not product sales.
Our role is to help you think clearly, plan strategically, and make confident financial decisions without pressure or commission.
What We Help You With
Rather than offering isolated services, we provide joined-up financial planning that supports your whole life.
● We can help with:
Retirement Planning
Build a sustainable income for later life.
Retirement is not just about stopping work — it’s about replacing income with confidence.
We help you:
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Structure sustainable retirement income
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Assess pensions and consolidation options
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Plan withdrawals tax-efficiently
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Stress-test your plan against inflation and market changes
● We can help with:
Wealth & Investment
Grow and protect what you’ve built whether you manage investments yourself or want clarity before making decisions.
We help you:
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Understand risk and appropriate investment approaches
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Compare platforms and avoid hidden costs
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Align pensions, ISAs and other investments to your goals
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Coordinate with wealth managers if required
We focus on strategy — not selling products.
● We can help with:
Cashflow Forecasting
See your future before you live it Our Lifetime Cashflow Forecast gives you a detailed projection of your income, expenditure, assets and liabilities through to age 99.
This allows you to:
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Understand if you’re on track
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Model early retirement scenarios
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Assess helping children financially
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Plan for property purchases or lifestyle changes
Think of it as a financial satnav — providing direction with flexibility.
● We can help with:
Estate & Legacy
Protect your family and pass on wealth intentionally We help ensure your plans are aligned and efficient by reviewing:
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Wills and Powers of Attorney
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Pension nominations
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Inheritance Tax considerations
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Succession planning
We work alongside solicitors and accountants to keep everything coordinated.
● We can help with:
Life Transition Planning
Navigate change with structure and clarity - major life events can have significant financial implications.
We support clients through:
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Retirement transitions
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Divorce or bereavement
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Business exits
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Changes in income or health
Providing practical guidance during uncertain times.
What Our Clients Say
FREE Initial Consultation
1
A no-obligation meeting to:
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Understand your situation
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Explain how we work
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Outline costs and timescales
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Decide if we’re the right fit
Ongoing Planning Support
2
Designed for clients who want structured reviews and ongoing access.
Includes:
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Regular financial reviews
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Strategy updates
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Support during life changes
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Ongoing access to your financial planner throughout the year with an annual review on the anniversary
Our comprehensive package is particularly suited to major life events requiring detailed support.
From £75–£150 per month
One-Off Consultancy
3
Ideal for clients seeking clarity on a specific issue or requiring a Lifetime Cashflow Forecast Report.
From £1,200
Ad Hoc Support
4
For occasional strategic input when needed. All fees are agreed in writing before any work begins. All agreements can be cancelled at any time, subject to agreed terms.
£150 per hour
● Graeme W, Leyland
Graeme W, Leyland
Prior to first contacting Greg we had found the world of pensions and investments quite daunting and in fact had put off seeking advice as we thought it would be just too challenging.
We had assumed, like most, there would be difficult questions and mountains of forms to be filled in full of legal and accounting jargon ….. nothing could have been further from the truth.
From our first meeting, Greg put us at ease and with his warm friendly manner explained everything to us in clear terms and in a way we understood. We never felt pressured and every question we had was clearly answered.
We now know exactly where our investments are and how they are performing and with Gregg’s financial projections are confident our financial future is in good hands.
If you’re looking for jargon free, clear, sound advice then we couldn’t recommended Greg highly enough.
What Our Clients Say
In 2013, my late wife and I sat down with Greg to ask him to align our various pensions, which had accumulated from moving between employers. This turned out to be a wise move, as we could see our pensions consolidated into one portfolio for each of us.
It wasn't just Greg's knowledge of the pension world that impressed us. He invested time in getting to know us as individuals and understanding what we wanted from our pensions. Our review meetings weren't just about numbers; they were social occasions where other discussions took place, showing his genuine interest in us.
By understanding where we wanted to be at certain points in our lives, Greg was able to steer us towards the right level of risk and advised against overly risky investments. He balanced caution with growth, ensuring our best interests were always at heart. Trust, honesty, and integrity were paramount to us, and with Greg, these were never in doubt.
Recently, I felt the need to change my pension administrator, as I wasn't getting the best attention. With Greg, we felt like big fish in a small pond, but now I felt like a small fish in a big pond. I asked Greg for advice and he suggested a new adviser. I have since switched and once again feel like I am receiving personal service. This change has also seen my pension grow, thanks to a personalised approach.
I have no hesitation in recommending Greg Heath to handle your financial matters. He brings a wealth of knowledge and experience to the table but does so with a human touch, explaining things in simple terms without overwhelming you with numbers and calculations. He also uses visual examples, which greatly help me as a visual learner.