Your money has to pay for your future. It’s also helping to build it.

I’m an actuary. I model the choices and explain the rules - when you can stop or slow down, how much you can take and for how long, what your money is invested in and what planet that’s funding - so you’re the one choosing.
“For twenty years I’ve helped pension funds and insurers work out how retirement money lasts through the ups and downs of markets. That work runs on assumptions: how long you’ll live, what returns look like, what the world does next. They’re chosen carefully, by people who will never meet you, and they shape your retirement more than almost anything you’ll actually decide. An adviser’s job is to take those decisions off you. Mine is to tell you what I’ve assumed and why, so you can question it. The decisions stay yours.”

I Help You

Design the life you actually want
Count all of it - savings, pension, earnings, property
See what your money is funding
Decide for yourself, with the numbers in front of you
Protect it from climate risks
Design Fund

Who Is This For

You’re at or near the point where the money has to start working differently.

Perhaps you have pensions in three places, and every conversation has been about managing them, not explaining them

Perhaps you’ve built a business, and the decisions you’ve put off are the ones that don’t fit anybody’s software.

Perhaps you have an adviser for the investments and nobody for everything else – the house, the work you’d still like to do, how much you actually need.

Perhaps you want a plan that holds up in a materially more disrupted world, and nobody will model that with you.

Some people come here because they want their pension out of fossil fuels. More often it’s that something has raised a question they can’t answer alone – and they find later that where the money sits turns out to matter to them too. Either way round works.

You don’t need to arrive with the question already formed. Most people don’t.

The first step is a clear picture of where you stand today: a Financial Future MOT. A bit like an annual health check, but for your finances.

I’m not a financial adviser and I don’t sell products – this is education, not advice.

Get Your MOT

Why Am I Different?

For over 20 years I’ve worked in institutional finance, managing retirement and financial risks for insurers and pension funds. I’ve seen what breaks the system, what survives it, and what actually builds lasting wealth.
No-commissions

No commissions

I’m not selling products, so what I tell you stays impartial.

No asset management fees

I'm not managing
your money for profit

No hidden agendas

You pay me directly,
so I work for you

Disclaimer:
I do not provide investment advice. Instead, I provide impartial guidance. No product sales. No conflicts. No hidden agendas.
I essentially help you to make your own decisions. I do not make decisions for you.

My Professional Background

  • Fellow of the Institute of Actuaries (FIA)
    since 2005
  • Certified Financial Risk Manager (FRM)
    since 2011
  • Green Finance Professional (GSFP)
    since 2021
  • Certified GAME Plan Coach
    since 2024

Current role:
Chief Executive of an FCA-regulated investment risk manager

You can verify my FCA registration here

(This role is separate from and unrelated to Planet Positive Planning)

Packages Overview

As a first step I recommend starting with a Planet Positive Financial Future MOT. It’s a one-off exercise to help you get clear on your current position and what support you need next.
Planet Positive Financial Future MOT
A focused review to assess where you stand, including a call to discuss your situation, before moving on to the right coaching package.
£200

Sounding Board Session

Ninety minutes to think through the numbers or discuss your situation, with a financial expert who is not going to sell you a product. A call or a meeting, and you can split the ninety minutes across more than one conversation if that suits you better.
£300 for 90 minutes

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.

FROM £500

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.

£3,000 for an individual £3,500 for a couple

— less the £200 already paid for the Financial Future MOT.

“You are the CEO to your own life. Think of me as your trusted CFO & Sustainability Officer.”

The Planet Positive GAME Plan

Whether you are embarking on your financial journey or refining an established strategy, the Planet Positive GAME Plan provides a structured four stage approach to ensure complete clarity at every step.
Our proven framework
GOALS: Defining What Truly Matters - What truly matters to you?
ACTIONS: Identifying the Obstacles - What's in your way?
MEANS: Mapping Your Pathways - How do you get there?
EXECUTION: Turning Plans into Reality - Make it happen
Learn More About The Process

Five questions to ask anyone who offers you financial help - including me

How to assess any professional offering financial support, including coaches, planners or advisers – me included

1

You First,
£££ Second

2
Life Plan,
Then Money Plan
3
Whole wealth, not just the pot
4
Resilience, not maximisation
5
Guidance,
Not Sales
Read More About My Approach

What you’ll own at the end

Decisions about the next thirty years
that are genuinely yours
– made by you, not inherited from a default

The time and space to make them properly,
which is the thing nobody is ever actually given
A complete picture of what you have:
savings, pension,
what you can still earn, the roof over your head
Someone to think it through
with who has spent twenty years managing retirement and financial risk for pension funds and insurers

The reasoning written down
– so when life changes, you change the plan rather than start again

Testimonials

“Neil, I thought our session was really good, interesting to delve into the more personal aspects, and helpful for both of us.” A couple in their 30s, with good salaries, but wanting to get their finances on track and save up for some big life goals.
“It’s so useful to model different scenarios and see how everything interlinks.” A couple also in their 30s, with good salaries, but wanting to understand how to invest for the future, as well as plan on launching their own business.

Next steps

Ready to Start?
  1. Join the community
    Sign up for insights and updates here
  2. Take the quiz
    Get an initial feel for where you are now here
  3. Book a discovery call
    Let’s discuss what you are looking to achieve, and any questions you may have (no obligation) here
  4. Book your Financial Future MOT
    Start your transformation here

Resources

Get started with these valuable tools:

Read the Planet Positive Investing Guide

Learn how to do DIY values-based investing

Read the Harmonious Futures Newsletter
Regular insights
Explore Money Helper Tools

Free tools and calculators