Services
Planet Positive Planning offers unbiased, climate-aware financial guidance designed to empower you in making informed decisions that align with your values. Through tailored frameworks and expert insights, I help you build resilience and plan a future that supports both your life goals and a healthier planet.
🌱 How do I help you?
The first thing to say is that I do not provide investment advice through Planet Positive Planning.
Instead, I provide unbiased guidance. No product sales. No conflicts. No hidden agendas.
In practical terms, this is how it works.
- I independently assess if your wealth is on track to meet your life goals.
- I provide you with a structured framework and process to help you make decisions.
- I highlight blind spots and suggest new possibilities you may not have considered.
- I talk through the pros and cons, and the risks and opportunities, of different options.
- I guide you through career, income and business planning as part of your strategy.
- I give you access to a financial planning app, so you can map out your financial future.
- I help you align your financial decisions with your values and purpose.
- I provide tools, resources and how to guides, so that you can implement your decisions.
- I provide a second expert opinion as a trusted financial expert.
- I provide human wisdom that complements output from AI-powered tools.
- I provide you with a written, personalised report to bring everything together.
- I listen, empathise, enlighten, educate, mentor and coach you.
- I empower you to become your own financial adviser.
In short, I help you to make your own decisions. I do not make decisions for you.
How can you trust my services?
In addition to Planet Positive Planning, I also work part-time in another role. This role is as the Chief Executive of an FCA-regulated investment risk manager. This means I am personally regulated by the FCA, and have to uphold a high degree of integrity in all that I do.
As a qualified actuary, I must also follow the Actuarial Code. This code requires me to maintain high ethical standards in all my actuarial work.
For financial planning, I follow five key principles. These ensure you get reliable guidance. I urge you to use them when considering any financial planning service, now or in the future.
You First,
£££ Second
- Your life, your goals, your values are the starting point – not your bank balance.
- Find someone who sees you as the client, not just your assets.
Then Money Plan
- Forget chasing returns. What really matters to you? Relationships? Passions? Impact?
- The right plan starts there, then reverse-engineers the money piece.
Perspective
- Money’s just one piece. Skills, experience, health, network… it all adds up to your ‘human capital’.
- Make sure you’re optimising everything, not just your investments.
Wealth
- True wealth is whole-life wealth: mind, body, heart, spirit and wallet.
- Is your plan supporting all of you, or just the financial you?
Not Sales
- This is crucial: the person giving guidance (or advice) cannot sell products or take commissions (or fees based on the amount you invest).
- They must sit on your side of the table, not a product provider’s.
Testimonial
“Neil, I thought our session was really good, interesting to delve into the more personal aspects, and helpful for both of us.”
“It’s so useful to model different scenarios and see how everything interlinks.”
What are my services?
The Planet Positive Financial Future MOT:
What does this achieve? It helps you understand in detail where you currently are.
You’d get an MOT for your car. You might even book a health check as you hit mid-life. Yet what about an MOT for your future life and how you’ll finance it?
The Planet Positive Financial Future MOT gives you a clear view of your current financial strength, readiness for the future, earning potential, and how your choices align with a healthier planet. It’s reviewed by me, as a qualified actuary, not a robot. We can have a call afterwards to discuss your results too.
It includes the following steps:
- You block out some time to devote to this, and collate all relevant information.
- You spend up to 1 hour filling out a questionnaire and uploading your information.
- I compile and send you your report, including the following sections:
- Headline scores, what’s going well, what you could improve on
- Short-term financial resilience, and long-term wealth snapshot
- Your personal and planetary timelines, intertwined
- Financial readiness for your “golden years” in later life
- Actions to consider going forward
- We have a 45-minute follow-up call to discuss your results.
Why is this different?
- This service assesses both your wealth now, but also your readiness for the future.
- Your future readiness depends on your view of the future. I allow for a view of the future that accounts for our climate crisis.
- We consider your entire wealth picture. This includes not just financial capital, but also property and human capital, to understand your full potential.
- We take into consideration the potential for you to have a positive planetary impact.
- You get to understand where your personal timelines sit relative to planetary ones. Your view of your future life priorities may change as a result.
- This is compiled and reviewed by a human expert. Not just output by a robot.
The Planet Positive GAME Plan
What does this achieve? It transforms your life, and gets you to where you’ve always wanted to be.
It is based on a proven life and financial planning framework called the GAME Plan. This was originally developed by the Academy of Life Planners.
This framework has won multiple awards and accolades. It has been used by the members of the Academy to achieve transformational life change for many of their clients.
GOALS
Understand what truly matters to you
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Make it real and sustainable, with support to follow through each stage
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How is this service delivered?
We can work at a pace or frequency that suits your needs:
- Weekly coaching sessions over 3 months: For those looking to achieve results quickly.
- Fortnightly coaching sessions over 6 months: For those wanting to take a more reflective approach.
- Monthly coaching sessions over 12 months: For those wanting to also include broader coaching on getting their monthly finances back on track.
- We work through the same structured framework, exercises and materials in each case. Working together also requires a commitment to do your homework in between sessions to get the most out of this.
- Alternatively, a “self-driven” package, where you receive the same framework, exercises and materials to work through independently at your own pace, and we have a single scheduled call to discuss your output at the end. There is also the option to request and pay for additional coaching calls, as and when needed.
Thereafter I offer an “Ongoing Support” package, which includes an annual refresh of your Planet Positive Financial Future MOT, including an annual review call, as well as email support. Financial planning app access can also be included.
What outcomes does this deliver?
- A financial plan with a clear purpose, funding the life you truly want to live while making a positive impact on the planet.
- Confidence that your wealth is doing good.
- More resilience and flexibility to handle an uncertain future.
- You’ll feel at ease knowing your wealth matches a future you believe in.
- You’ll also know that you are making the best contribution and legacy that you can.
- A renewed sense of fulfilment and excitement about the future.
- Your ideal life.
Packages Overview
Planet Positive GAME Plan
Full Coaching
Choose from 3 months (weekly), 6 months (fortnightly) or 12 months (monthly) support.
The full Planet Positive GAME Plan framework, materials, coaching and report.
Planet Positive GAME Plan
Self-Driven
You receive the full Planet Positive GAME Plan framework, materials, and instructions on how to create your own plan and report on a self-driven basis.
It also includes a review of your final output, and a scheduled call to discuss your plan.
Additional coaching calls can be requested at £200 per hour.
Ongoing Support
An annual MOT refresh and review call
Email support and materials throughout the year