Your accountant knows what the business made. An adviser can sell you a pension. Almost nobody sits between the two and answers the question you actually lie awake with — whether the whole thing works, and what happens if it doesn't.
Not “a 12% reduction in terminal wealth”. Every answer in the Plan comes back in years, because years mean something and percentages don't.
There are three separate jobs in someone's financial life, and most people only ever meet two of them.
Knows the business to the penny. Files the accounts, handles the tax, tells you what happened last year. Almost never asked, and rarely placed, to say whether you are going to be alright.
Can give you a personal recommendation on a product — and legally they are the only ones who can. But that answers a question you have to turn up already knowing.
We work out whether the money lasts, what breaks it, and which decisions actually move the answer. Then you know what to ask for — and whether you need to buy anything at all.
Most people buy a product before they have a plan. That's backwards, and it's why so many end up with four small pensions, a policy nobody can explain, and no idea whether it adds up to enough.
Start free. The paid work is one document and, if you want it, someone keeping it true as life moves.
Connect your bank read-only and the last few months sort themselves — what you really spend, not what you remember. About two minutes, no card, and it cannot move money.
What you want the money to do, turned into goals that can be modelled — a number and a date on each, because “retire comfortably” cannot be measured.
One written document: every year to 100 with the tax done properly, what breaks it priced in years, and the ninety days that follow. Yours to keep and to argue with — every assumption is printed.
Life moves and the answer moves with it. The projection re-run, a review session, the plan kept true in writing, and someone to ask whenever something changes. Cancel any time.
Not a stop on the ladder — a moment that can happen at any point. Financial planning is not regulated financial advice, and nobody here will tell you which pension or fund to choose. When a decision genuinely needs that, we say so and can introduce you to Equity & General, authorised and regulated by the FCA (No. 474163). Entirely optional, no obligation, and if you become their client E&G pay Buzz a commission — we tell you before the introduction, not after.
One Healthcheck, and everything that follows already has a home. Nobody gets handed to a stranger.
The business's numbers — accounts, tax, payroll. Where most of our clients already are.
If the real issue is spending and habits rather than whether the sums work, that's the other door. Same firm.
Your Plan works out the inheritance tax on what you leave behind. Acting on it means a will, and often powers of attorney — that's Buzz Legal.
Authorised and regulated by the FCA (No. 474163). Where a decision needs a personal recommendation on a product, they give it. We don't.