Personal Budget Planning
£185.00
Most people underestimate monthly expenses by 20-30%. Our budget planning service starts with a comprehensive audit of your spending patterns over the past three months.
- Detailed expense categorization and analysis
- Identification of "invisible" costs (subscriptions, fees)
- Emergency fund calculation based on your situation
- Customized budget template you can maintain independently
- Follow-up review session after 30 days
Investment Strategy Consultation
£325.00
Investing can feel overwhelming with countless options and conflicting advice. We help you understand your risk tolerance, time horizon, and goals to build a strategy that makes sense for your life stage.
- Risk assessment questionnaire and discussion
- Overview of ISAs, pensions, and taxable accounts
- Asset allocation recommendations based on your timeline
- Introduction to index funds, bonds, and diversification
- Rebalancing strategy for changing circumstances
Small Business Financial Management
£475.00
Running a business in Liverpool requires more than a good product—you need clear financial systems. We work with entrepreneurs to establish bookkeeping practices, forecast cash flow, and prepare for tax obligations.
- Cash flow projection for the next 12 months
- Separation of personal and business finances
- VAT and tax deadline planning
- Pricing strategy review to ensure profitability
- Expense tracking system setup (software recommendations)
Debt Restructuring Advice
£240.00
Debt feels paralyzing, but there are always options. We analyze your obligations and create a payoff plan that balances aggressive repayment with maintaining quality of life.
- Complete debt inventory (credit cards, loans, overdrafts)
- Interest rate comparison and consolidation options
- Snowball vs avalanche method analysis
- Negotiation strategies for creditors
- Monthly payment plan aligned with your income
Retirement Planning Workshop
£295.00
Retirement planning isn't just about saving money—it's about envisioning the life you want and calculating what it takes to get there. We guide you through pension options, state benefits, and supplemental savings.
- Retirement lifestyle and expense estimation
- State pension eligibility and timing review
- Workplace and private pension maximization
- Catch-up strategies for late starters
- Withdrawal strategies to minimize tax impact
