A clear, structured process that brings your whole financial life into focus
Everything is done in the right order, so decisions feel clear, calm, and considered
Why the process matters
Most families come to me with years’ worth of decisions, documents, pensions and accounts that don’t feel connected. You might have a sense of what you want life to look like, but not a clear picture of how everything fits together or whether you’re on track.
My process brings order, clarity and direction. It gives you the confidence to make decisions today, knowing exactly how they affect tomorrow.
This isn’t about products.
It’s about understanding, structure, and peace of mind.
Why Simplify, Plan then Protect
Simplify, Plan, Protect
Good financial decisions depend on clarity and sequence.
When things are done out of order, decisions feel disconnected, confidence becomes fragile, and complexity quietly creeps in.
That is why my approach always follows the same structure.
Simplify, Plan, Protect
Good financial decisions depend on clarity and sequence.
When things are done out of order, decisions feel disconnected, confidence becomes fragile, and complexity quietly creeps in.
That is why my approach always follows the same structure.
Simplify
You cannot plan properly until everything you have is clearly understood.
Multiple pensions, providers, and decisions built up over time often create blind spots.
Simplifying brings everything into one clear picture, so decisions are based on facts, not assumptions.
You cannot plan properly without knowing exactly where you stand.
Simplify
You cannot plan properly until everything you have is clearly understood.
Multiple pensions, providers, and decisions built up over time often create blind spots.
Simplifying brings everything into one clear picture, so decisions are based on facts, not assumptions.
You cannot plan properly without knowing exactly where you stand.
Plan
Clarity turns uncertainty into confident choices.
Once everything is clear, we plan your income, timing, and lifestyle around the life you want to live.
Income, timing, spending, flexibility — tested calmly before anything is committed to.
A retirement plan is not separate from estate planning.
It is the foundation.
Plan
Clarity turns uncertainty into confident choices.
Once everything is clear, we plan your income, timing, and lifestyle around the life you want to live.
Income, timing, spending, flexibility — tested calmly before anything is committed to.
A retirement plan is not separate from estate planning.
It is the foundation.
Protect
Protection should support decisions, not restrict them.
Only when the plan is clear do we put the right structures in place to protect your family and your legacy.
This keeps protection proportionate, aligned, and working in service of the life you’ve chosen.
Protection should reinforce the plan you’ve chosen — not decide it for you.
Protect
Protection should support decisions, not restrict them.
Only when the plan is clear do we put the right structures in place to protect your family and your legacy.
This keeps protection proportionate, aligned, and working in service of the life you’ve chosen.
Protection should reinforce the plan you’ve chosen — not decide it for you.
The Result
Each step builds confidence, not pressure.
By simplifying your finances first, planning your life second, and protecting your legacy last, each decision builds on the one before it.
Nothing is rushed.
Nothing is done out of sequence.
Clarity Today. Confidence Tomorrow. Freedom to Live.
The Result
Each step builds confidence, not pressure.
By simplifying your finances first, planning your life second, and protecting your legacy last, each decision builds on the one before it.
Nothing is rushed.
Nothing is done out of sequence.
Clarity Today. Confidence Tomorrow. Freedom to Live.
Plan
Clarity turns uncertainty into confident choices.
Once everything is clear, we plan your income, timing, and lifestyle around the life you want to live.
Income, timing, spending, flexibility — tested calmly before anything is committed to.
A retirement plan is not separate from estate planning.
It is the foundation.
Plan
Clarity turns uncertainty into confident choices.
Once everything is clear, we plan your income, timing, and lifestyle around the life you want to live.
Income, timing, spending, flexibility — tested calmly before anything is committed to.
A retirement plan is not separate from estate planning.
It is the foundation.
How We Work Together
The Foundation Meeting
1st Meeting
Understanding your goals, concerns and financial landscape.
We begin with a calm, relaxed conversation about your goals, concerns, family and lifestyle. I gather the information I need, request details from your providers, and bring your current position into clear focus.
Clear foundations. Nothing missed. A calm, confident first step — with no pressure.
The Foundation Meeting
1st Meeting
Understanding your goals, concerns and financial landscape.
We begin with a calm, relaxed conversation about your goals, concerns, family and lifestyle. I gather the information I need, request details from your providers, and bring your current position into clear focus.
Clear foundations. Nothing missed. A calm, confident first step — with no pressure.
The Planning Session
2nd Meeting
Bringing your whole financial life into a clear, visual plan.
We take everything gathered from your first meeting and build your personalised retirement plan. Together, we explore how long your money lasts, what income is sustainable, how gifting or tax decisions affect your future, and which paths give you the greatest confidence.
You’ll see your financial life clearly — visually, simply, and without jargon.
A complete picture. Real clarity. The confidence to make decisions that feel right for you.
The Planning Session
2nd Meeting
Bringing your whole financial life into a clear, visual plan.
We take everything gathered from your first meeting and build your personalised retirement plan. Together, we explore how long your money lasts, what income is sustainable, how gifting or tax decisions affect your future, and which paths give you the greatest confidence.
You’ll see your financial life clearly — visually, simply, and without jargon.
A complete picture. Real clarity. The confidence to make decisions that feel right for you.
Recommendation Meeting
3rd Meeting
Turning clarity into confident, structured action.
Your full recommendation is presented clearly and simply. We cover everything that matters: income strategy, investment structure, tax planning, estate considerations and how each part supports your long-term goals.
You’ll leave knowing exactly what to do next and how your plan will support the life you want.
A tailored strategy. Tax-efficient structure. The confidence to move forward knowing nothing is left to chance.
Recommendation Meeting
3rd Meeting
Turning clarity into confident, structured action.
Your full recommendation is presented clearly and simply. We cover everything that matters: income strategy, investment structure, tax planning, estate considerations and how each part supports your long-term goals.
You’ll leave knowing exactly what to do next and how your plan will support the life you want.
A tailored strategy. Tax-efficient structure. The confidence to move forward knowing nothing is left to chance.
Ready when you are
No pressure. No commitment.
Just clarity, conversation, and a sense of what’s possible.
Take the first step with a 15-minute Clarity Call
A simple conversation to understand your situation and explore whether my process feels right for you.
No cost. No pressure. Just a calm first step.
Ready when you are
No pressure. No commitment.
Just clarity, conversation, and a sense of what’s possible.
Take the first step with a 15-minute Clarity Call
A simple conversation to understand your situation and explore whether my process feels right for you.
No cost. No pressure. Just a calm first step.
Clarity today. Security tomorrow. Freedom to live
Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.
FCA Firm Reference Number: 629749
© 2026 Wealth Transfer Specialist. All rights reserved.
Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.
FCA Firm Reference Number: 629749
© 2026 Wealth Transfer Specialist. All rights reserved.
Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.
FCA Firm Reference Number: 629749
© 2026 Wealth Transfer Specialist. All rights reserved.