How We stand apart

I am not a traditional financial adviser and this isn't traditional financial advice

Life first, Money Second

We start with your life, not just your balance sheet or products. It's your life not your money we are interested in.

A thinking environment not just advice

A space to slow down, think clearly, and uncover what matters guided by coaching, not advice.

Fixed fees. No %.
No surprises.

We charge based on our expert advice, not how much you invest. No product push. No hidden charges.

Fewer clients. Deeper Impact

We only take on 3 new clients a for month. This isn’t high-volume advice it’s personalised planning for your life.

BLUEPRINT
£1,995

tell me more

For Professionals who want structure, direction, and confidence around their next financial moves.

Working towards a specific goal or want to have a solid foundation in place.

90-minute planning session + personalised Financial Blueprint PDF.

Walk away with clarity, direction, and a simple plan you can act on immediately.

MASTERY
£4,995

tell me more

High achievers looking to realign their life and wealth for deeper purpose, freedom, and impact.

A transformational programme for those that are ready.

90-day deep dive. 4 SESSIONS - Life planning, vision mapping, WEALTH strategy, ROADMAP.

Realign your wealth with your life and move forward with confidence.

PRIVATE OFFICE
£9,995

tell me more

Ultra-high-net-worth clients with complex needs or family structures.

fOR CLIENTS WITH COMPLEX multigenerational decisions IN NEED OF big-picture guidance.
‍

a BESPOKE SERVICE DESIGNED AROUND ALL YOUR FINANCIAL & LIFE NEEDS.
‍
Trusted partner for long-term wealth direction & FINANCIAL DECISIONS.

Discover more about your Realigned Life Plan here

What You Walk Away With - clarity, Confidence & certainity

Clients say they feel more assured and relaxed, with many saying they wished they had done it sooner

Whether you’re seeking clarity, a full strategy or expert advice on complex decisions, we help align your money and life in a way that truly works for you. We don’t judge. We don’t push products.
‍
We start from where you are, and help you get where you want to be backed by expert, independent advice.

Life planning

Life vision & values

Financial objectives

Future events

Financial forecasting

Wealth strategy

Investment & risk discussion

Financial analysis

Tax & pension planning

Investing strategy

Investment/Pension advice

Whole of market research

Product recommendation

Investment recommendation

Financial forecasting

Disaster planning

Insurance review

Financial plan stress test

Product advice

Emergency doc, wills & POA

Finalise

Financial plan document

Implement advice

Deal with existing providers

Resolve outstanding actions

...keeping you on track

Regular meetings

Life planning

Wealth strategy

Financial advice

Investment management

How We Help You

🧭

Clarity & Direction

Uncover what a great life really looks like to you

Understand what “enough” means in your world

Forecast your financial future with confidence

💼

Strategy & Structure

Build a smart, tax-efficient plan

Optimise investments without chasing performance

Plan for future events and opportunities

🛡

Protection & Peace of Mind

Review life cover, illness protection, income security

Create contingency plans: wills, POA, disaster planning

Stress-test your strategy to stay resilient

⚙️

Advice & Implementation

Independent, whole-of-market advice on Pensions, ISAs and Investments

Implementation if you require

Optional ongoing planning and advice to stay on track

financially we will ensure that you...

Basically, we'll help you to understand whether you are going to be okay financially.

have the right financial foundations in place.

have a tax efficient wealth and investing strategy.

protect your family should you die or become seriously ill.

are investing enough for the future.

have a financial strategy in place to achieve the life you want.

avoid fads and focus on what has always worked.

balance living for the now and taking care of the future.

get financially organised.

“My only regret? We should have got this advice 10 years earlier
‍Julia and Mark wanted to stop work at 60 without sacrificing their lifestyle today. We built a plan around what mattered most which including setting up SIPPs to buy commercial property, unlocking £37,500 in tax savings, and reshaping their pensions for long-term flexibility.
‍
Now, Mark has stepped back from his business. Julia feels empowered to grow hers. And they’re planning a holiday home in Spain with total confidence in the future.

Real Clients, Real Stories.

“My only regret? We should have got this advice 10 years earlier – it is really like seeing the future. I cannot recommend Ian highly enough, whether it is tax efficiencies or financial planning, or even just a chat to see if he is right for you, I would suggest getting in touch.He understands the value of trust and relationships, and confidence and has a practical, no-nonsense approach and this fits perfectly with hardworking business owners.”

Don't just take our word for it...

caroline, pink spaghetti

“Work to Live Financial Planning has helped my clients with practical, efficient advice to help them plan for the future.
Ian takes into consideration their plans for the future to ensure that are setting themselves up correctly - highly recommended.”

Don't just take our word for it...

caroline, pink spaghetti

What we do.

How We stand apart

Life first, Money Second

A thinking environment not just advice

Fixed fees. No %.No surprises.

Fewer clients. Deeper Impact

BLUEPRINT £1,995

MASTERY£4,995

PRIVATE OFFICE£9,995

What You Walk Away With - clarity, Confidence & certainity

Life planning

Life vision & values

Financial objectives

Future events

Financial forecasting

Wealth strategy

Investment & risk discussion

Financial analysis

Tax & pension planning

Investing strategy

Investment/Pension advice

Whole of market research

Product recommendation

Investment recommendation

Financial forecasting

Disaster planning

Insurance review

Financial plan stress test

Product advice

Emergency doc, wills & POA

Finalise

Financial plan document

Implement advice

Deal with existing providers

Resolve outstanding actions

...keeping you on track

Regular meetings

Life planning

Wealth strategy

Financial advice

Investment management

How We Help You

Clarity & Direction

Uncover what a great life really looks like to you

Understand what “enough” means in your world

Forecast your financial future with confidence

Strategy & Structure

Build a smart, tax-efficient plan

Optimise investments without chasing performance

Plan for future events and opportunities

Protection & Peace of Mind

Review life cover, illness protection, income security

Create contingency plans: wills, POA, disaster planning

Stress-test your strategy to stay resilient

Advice & Implementation

Independent, whole-of-market advice on Pensions, ISAs and Investments

Implementation if you require

Optional ongoing planning and advice to stay on track

financially we will ensure that you...

have the right financial foundations in place.

have a tax efficient wealth and investing strategy.

protect your family should you die or become seriously ill.

are investing enough for the future.

have a financial strategy in place to achieve the life you want.

avoid fads and focus on what has always worked.

balance living for the now and taking care of the future.

get financially organised.

Real Clients, Real Stories.

Don't just take our word for it...

Don't just take our word for it...

Let’s Build a Life That Works for You

Fixed-fee, jargon-free advice. 100% focused on your life & goals, not product sales.If you're ready for clarity, confidence and calm, it starts with one simple step

If you’re ready to stop drifting and start aligning.

Contact Us

email

support@worktolivefp.com

telephone

01925 944879

visit us

Work to Live Financial Planning 73 Dingleway AppletonWA4 3AG

Fixed fees. No %.
No surprises.

BLUEPRINT
£1,995

MASTERY
£4,995

PRIVATE OFFICE
£9,995

Fixed-fee, jargon-free advice. 100% focused on your life & goals, not product sales.
If you're ready for clarity, confidence and calm, it starts with one simple step

Work to Live Financial Planning 73 Dingleway Appleton
WA4 3AG