Financial
Life Coach
On Your Side – Independent, Ethical, Client-First
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As a Generic Independent Financial Adviser, I work for you, not for product providers. My hourly-based approach ensures unbiased, transparent guidance, free from sales commissions. Your goals, your best interests—always.
Your Independent Financial Advocate – Unbiased, Ethical, and Focused on You
​As a Generic Independent Financial Adviser, I provide impartial, principled guidance with no product sales or hidden agendas. Your best interests come first—ensuring clarity, confidence, and financial empowerment at every step.
Unbiased Financial Guidance – Empowering You to Take Control
When seeking financial advice, do you want guidance shaped by sales incentives, or clear, impartial, and client-first support? At Financial Life Coach, we offer transparent, ethical, and knowledge-driven advice—free from commercial influence.
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By buying financial products directly, guided by rigorous Consumer Association research, you can cut out unnecessary fees and commissions, keeping more of your money working for you. You don’t need intermediaries with vested interests—you need knowledge, confidence, and control.
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Take Charge of Your Financial Future
✅ Independent & Transparent – No product sales, no hidden agendas—just expert guidance tailored to your needs.
✅ Affordable & Accessible – Pay for advice on an hourly basis, ensuring integrity and cost efficiency.
✅ Empowering & Ethical – Gain the insights, tools, and confidence to manage your finances without commercial pressure.
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With generic financial advice, you receive objective strategies designed for your aspirations, security, and success—not someone else’s profits. Your future, your financial freedom—on your terms.
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Independent Financial Planning—Unbiased Counsel, Free from Product-Specific Influence
Lifetime Financial Planning—A Holistic Approach to Your Financial Well-being At Financial Life Coach, we uphold the belief that financial planning should extend beyond the mere management of monetary assets; it should serve as a cornerstone in the construction of a life that is a true reflection of your aspirations, values, and long-term ambitions. It is with this philosophy in mind that we offer Lifetime Financial Planning, a service designed to provide guidance through each stage of life, fostering clarity, confidence, and a profound sense of purpose. What is Lifetime Financial Planning? Lifetime Financial Planning is a steadfast commitment to supporting you not only in the present but throughout the course of your financial journey. We recognise that life is replete with unforeseen challenges and evolving circumstances, necessitating a financial strategy that is both flexible and comprehensive. Our approach is inherently holistic, encompassing all aspects of your life—your well-being, personal objectives, and financial circumstances—to craft a plan that adapts in harmony with your changing needs. Why Choose Lifetime Financial Planning? Accessible and Inclusive We firmly believe that high-quality financial planning should be accessible to all, irrespective of one's financial standing or prior knowledge. Our services are intentionally structured to be both approachable and intelligible, free from unnecessary jargon or complexity. Transparent and Trustworthy Integrity is the foundation upon which our practice is built. We are unwavering in our commitment to transparency, ensuring that the guidance we provide is both forthright and entirely in your best interests. Personalised and Holistic Every individual’s journey is unique, and as such, financial planning should be tailored accordingly. We devote the time necessary to gain a thorough understanding of your personal circumstances, aspirations, and potential challenges, developing a bespoke strategy that aligns precisely with your needs. Supportive and Empowering Our role extends beyond providing advice; we seek to empower you with the knowledge and confidence to take charge of your financial future. Whether you are preparing for retirement, planning for life’s milestones, or striving for financial clarity, we offer the guidance and encouragement necessary to navigate these decisions with assurance. Your Journey Begins Here With Lifetime Financial Planning, you are not merely preparing for the immediate future—you are laying the groundwork for a lifetime of financial security and fulfilment. We stand ready to assist you in making well-informed decisions, seizing opportunities, and shaping a future that is truly aligned with your vision for life.
Done For You! Bespoke Financial Planning, Professionally Managed on Your Behalf.
Hourly or Project-based Fees​
While FCA regulated financial advisers can offer invaluable guidance, it is imperative to exercise due diligence when seeking financial counsel. Regrettably, some of the most significant pension losses have arisen where advisers have structured their fees in a manner contingent upon the transfer of pension assets. Such arrangements engender a conflict of interest, potentially jeopardising the security of one’s savings.
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To safeguard your financial future, it is prudent to engage with a FCA regulated adviser who operates on a fixed-fee basis, thereby ensuring that their recommendations remain uninfluenced by financial incentives.
Alternatively, one may find even greater assurance in consulting an expert non-intermediating financial planner—a professional whose sole commitment is to your best interests. Unencumbered by the sale of financial products, such practitioners provide truly impartial and objective guidance, serving as your trusted ally in navigating the complexities of financial planning with integrity and prudence.
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A Financial Ally You Can Trust
Though I am no longer authorised to engage in the regulated sale of financial products, my expertise remains both extensive and highly refined. With over four decades of experience as a distinguished professional in the fields of investment and pensions, I have attained the highest qualifications and have held leadership positions within some of the most prominent institutions in the industry.
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Now, in my retirement from regulated financial advising, I have deliberately chosen a path founded upon the principles of fairness, clarity, and transparency. Unencumbered by commercial interests, my focus is solely on providing impartial guidance that empowers individuals to make informed financial decisions with confidence and independence.
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At Financial Life Coach, I uphold the principle that financial planning should be both transparent and equitable. If these values resonate with you, then you have arrived at the right place. My services are predicated upon the time, expertise, and diligence I devote to comprehensively understanding your unique circumstances—rather than being contingent upon the extent of your financial assets. This ensures that my guidance remains wholly aligned with your best interests, entirely independent of market fluctuations or external influences.
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Together, we can redefine the essence of financial planning, adopting a clear, principled, and forthright approach that is meticulously tailored to your aspirations. Let us work in concert towards the attainment of financial security and confidence, ensuring that you retain full autonomy and control at every stage of your journey.
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Regulated By CMA, Not FCA
Under the framework of Generic Financial Advice, we neither manage clients’ financial assets nor provide recommendations regarding specific institutions or providers for the purchase of financial products. Instead, we direct individuals to impartial public surveys, enabling them to make informed decisions based on objective and widely recognised sources of information.
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Generic Financial Advice operates outside the regulatory perimeter of the Financial Conduct Authority (FCA) and is instead governed by the consumer protection regulations set forth by the Competition and Markets Authority (CMA). This distinction ensures that the guidance provided remains free from commercial influence, focusing exclusively on equipping individuals with the knowledge necessary to navigate their financial affairs independently.
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Should you wish to delegate financial decision-making to an adviser, it would be prudent to engage a Financial Conduct Authority (FCA) regulated financial adviser, who is authorised to offer regulated financial advice and manage investments on your behalf.
Embracing the Future of Financial Planning: Empower Yourself with the GAME Plan
If you believe that financial freedom should be dictated by your own aspirations rather than influenced by external profit-driven interests, then you have arrived at the right place.
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Introducing the GAME Plan
The GAME Plan—Goals, Actions, Means, Execution—is a pioneering framework designed for those who seek to assume full control of their financial affairs without dependence on intermediaries. This structured approach enables you to make informed, strategic decisions that are firmly aligned with your values, ambitions, and long-term objectives. By integrating your financial strategy with your personal aspirations, the GAME Plan instils clarity, confidence, and a decisive sense of direction, empowering you to navigate your financial journey with purpose and autonomy.
Are you prepared to take ownership of your financial future and embrace a more empowered and self-directed approach to financial planning? Click below to discover how the GAME Plan can revolutionise the way you manage your financial affairs.
A Partnership for Financial Empowerment: The Academy of Life Planning and the M-Power Movement
By joining forces with the M-Power Movement, the Financial Life Coach reaffirms its steadfast commitment to financial empowerment. This collaboration fortifies our mission to equip individuals with the planning services, education, and resources necessary to take ownership of their financial destinies.
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Our vision is one of a fairer and more inclusive society, where financial knowledge is accessible to all, unencumbered by the obstacles often imposed by traditional financial institutions. Together, we are setting new benchmarks for excellence, integrity, and trust within the financial planning profession, ensuring that every individual has the opportunity to make well-informed financial decisions free from external pressures or vested interests.
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We invite you to become part of this transformative movement. Let us work in concert to build a future in which financial empowerment is not a privilege, but a right—within reach of all who seek it.
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Take Command of Your Financial Future with Confidence and Clarity
If you have ever aspired to manage your finances with the expertise of a seasoned professional, then the second edition of Be Your Own Financial Adviser by Jonquil Lowe is an indispensable resource. This authoritative guide is meticulously crafted to provide practical tools, expert insights, and strategic guidance, enabling you to navigate the complexities of personal finance with confidence and precision.
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Why entrust your financial future to others when you possess the capability to master it yourself? Whether you are embarking upon your financial journey or refining an existing strategy, this comprehensive volume empowers you to make informed decisions, exercise financial autonomy, and take decisive control of your financial well-being.
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Do not miss this opportunity to realise your potential and chart your own course with clarity, foresight, and self-assurance.
The Agreement: Providing Expert Guidance Through the Complexities of Your Financial Journey
In engaging my services, you are entering into a professional partnership founded upon integrity, transparency, and mutual commitment. My role is to provide you with impartial, strategic financial guidance, tailored to your unique aspirations and circumstances, ensuring that every recommendation serves your best interests.
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This agreement is structured to offer comprehensive support, whether through a singular consultation or an ongoing advisory relationship, affording you the flexibility to engage at a level that aligns with your needs. I am committed to delivering clear, actionable insights, empowering you to make informed financial decisions with confidence and foresight.
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Should you wish to explore how this arrangement can be of benefit to you, I invite you to initiate a discussion at your convenience. Together, we shall establish a framework that fosters financial security, strategic clarity, and long-term success.
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Navigating the Complexities of Financial Planning with Confidence and Clarity
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Managing one’s financial affairs can often resemble traversing a labyrinth—replete with intricate pathways and unforeseen turns that may obscure the most prudent course of action. Yet, you need not embark upon this journey unaided. I am here to provide expert guidance, helping you navigate each step with confidence, ensuring that you retain control over your financial future.
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Through a clear, structured approach tailored to your unique circumstances, we shall work together to demystify complexity, enabling you to make well-informed decisions that align with your aspirations. Your financial plan should not be a mere abstraction, but a coherent and actionable strategy, designed to serve your interests. My unwavering commitment is to assist you in achieving precisely that.
Let us confront financial uncertainty together, forging a path towards stability, security, and success.
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Transform Your Life and the World: The Impact Planning Service
Are you prepared to aspire beyond financial sufficiency and instead pursue a life of profound meaning and purpose? Our Impact Planning Service is meticulously designed to integrate your talents, values, and aspirations, enabling you to forge a career and a lifestyle that contribute meaningfully to both personal fulfilment and the broader world.
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This service is founded upon the principle that true prosperity extends beyond mere financial accumulation—it encompasses the well-being of the mind, body, heart, and spirit. It is not solely about the attainment of personal objectives, but about setting goals that align with a greater purpose, incorporating principles such as those enshrined within the United Nations Sustainable Development Goals (SDGs).
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By participating in this initiative, you will be empowered to harness your unique abilities, collaborate with like-minded individuals, and confront pressing global challenges. This is an opportunity not only to cultivate personal wealth and fulfilment but also to leave behind a legacy of meaningful impact.
As Margaret Mead so eloquently observed:
"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it is the only thing that ever has."
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We invite you to embark upon this transformative journey, discovering your true purpose and effecting a lasting difference. Life’s significance is not solely measured by personal achievements but by the positive influence we exert upon others.
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What were you destined to accomplish? What legacy shall you leave behind?
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The Whole Market Cash Management Service: Optimising Your Cash Reserves with Security and Growth
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Why allow your capital to remain idle in low-yield accounts, eroding its value over time? Through my bespoke service, every pound of your savings shall be safeguarded under the Financial Services Compensation Scheme (FSCS) while simultaneously being positioned to maximise its growth potential.
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With a meticulous and informed approach, I shall assist you in identifying the most competitive interest rates available across the United Kingdom's financial market, ensuring that your funds benefit from both security and optimal returns. By adopting a strategic and prudent method of cash management, you may achieve greater financial efficiency, allowing your wealth to work diligently in your favour.
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Seize the opportunity to optimise your cash reserves with a solution that upholds both protection and prosperity.
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Lifetime Cashflow Planning Service
Dispense with speculation and uncertainty—your financial future can be strategically planned with precision and foresight. Through personalised online consultations, I shall conduct a comprehensive assessment of your current financial circumstances, enabling the development of a detailed lifetime cashflow forecast.
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This service is designed to establish robust financial strategies encompassing savings, investments, and income planning, ensuring that every decision aligns with your long-term objectives. Whether you are preparing for retirement, contemplating a significant financial commitment, or seeking to optimise and diversify your income streams, my bespoke guidance shall empower you with the clarity and control necessary to navigate your financial journey with confidence.
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Take the opportunity to secure your financial well-being with a structured, strategic approach that places you firmly at the helm of your future.
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Financial Life Planning: Beyond Mere Financial Management—A Strategy Centred on Your Life’s Aspirations
Financial planning should not be confined to the mere calculation of figures; rather, it should serve as an instrument for realising your ambitions. My role extends beyond financial oversight—I am here to align your financial strategy with your personal and professional objectives, ensuring that your financial planning remains deeply rooted in your aspirations. Through a bespoke and comprehensive approach, I shall develop a tailored financial plan that provides both clarity and direction. With the aid of advanced analysis and visualisation tools, you will gain unparalleled insight into your financial trajectory, enabling you to make informed and strategic decisions with confidence.
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Whole Market Cash Management Service
Why settle for suboptimal financial arrangements? Through my Whole Market Cash Management Service, you can optimise your cash reserves, ensuring that they remain secure under the Financial Services Compensation Scheme (FSCS) whilst simultaneously maximising their growth potential. By leveraging a meticulous bespoke analysis in collaboration with Deposit Sense, I provide a strategic framework that ensures your capital is working as efficiently as possible. This considered approach integrates risk mitigation with financial opportunity, demonstrating how careful planning and structured risk management can yield meaningful financial gains.
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Precise Lifetime Cashflow Forecasting
Eliminate conjecture from financial planning. Utilising Voyant’s advanced analytics, I generate realistic and actionable financial forecasts that provide clarity, structure, and peace of mind. These insights will enable you to navigate life’s complexities with confidence, ensuring that you are financially prepared for every stage of your journey. By adopting a forward-looking perspective, I equip you with the tools necessary to make sound financial decisions, reinforcing long-term stability and security.
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Non-Intermediating Financial Guidance
If you are weary of financial planning being reduced to a product sales exercise, my approach offers a refreshing and principled alternative. My advice is entirely product-free, focusing solely on your best interests. Rather than promoting financial products, I provide clear, unbiased, and generic guidance, empowering you to take control of your own financial future. My role is to construct a strategic framework for your financial plan, while the implementation of savings and investment strategies remains in your hands or entrusted to a financial adviser of your choosing.
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Empowerment Through Objective and Impartial Advice
As an independent financial planning partner, my foremost priority is your financial well-being. My guidance remains wholly impartial, free from conflicts of interest, and grounded in strategic expertise. By working together, you will gain confidence from objective financial insights, delivered within a supportive and transparent partnership that fosters financial clarity, autonomy, and long-term security.
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My approach is a testament to my unwavering commitment to providing expert, unbiased financial planning, ensuring that you are equipped with the knowledge, strategies, and clarity required to make well-informed financial decisions in pursuit of both security and prosperity.
Why Engage the Services of a Financial Life Coach?
Navigating the complexities of financial planning requires more than mere technical expertise; it demands a holistic and considered approach that aligns financial strategy with one’s broader life aspirations. A Financial Life Coach offers precisely this—a structured yet personalised framework that empowers individuals to take control of their financial future with confidence and clarity.
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Unlike traditional financial advisers, whose focus may often be centred on investment products and portfolio management, a Financial Life Coach provides impartial, strategic guidance that is entirely free from commercial influence. This ensures that every recommendation is made solely in accordance with your best interests, fostering a relationship built upon trust, integrity, and transparency.
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Through a combination of expert knowledge, analytical precision, and tailored financial planning, a Financial Life Coach assists in:
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Clarifying long-term financial objectives, ensuring that every financial decision is aligned with your overarching aspirations.
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Developing structured yet flexible financial strategies, designed to adapt to life’s evolving circumstances.
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Enhancing financial literacy, equipping you with the knowledge and confidence to make informed decisions with autonomy.
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Providing an unbiased and product-free advisory service, ensuring that guidance remains objective, strategic, and entirely focused on your well-being.
In essence, a Financial Life Coach is not merely an adviser but a trusted partner in your financial journey, offering the insight, foresight, and strategic clarity necessary to cultivate long-term financial security and fulfilment.
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Proven Expertise, Personalised Guidance, and Financial Empowerment
Proven Expertise
With a distinguished career spanning over four decades, I bring a wealth of specialist knowledge and innovative financial solutions to the table. Having navigated the evolving landscape of financial services, I possess a deep understanding of what constitutes sound financial strategy. My guidance is not theoretical but grounded in practical, real-world experience, ensuring that every recommendation is both reliable and effective.
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A Personalised Approach
Financial planning is inherently individualistic; a universal formula cannot suffice. Recognising this, I devote the necessary time to understanding your specific financial circumstances, aspirations, and challenges. My approach is wholly bespoke, designed to provide a financial strategy that is meticulously tailored to your unique needs and objectives.
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Empowerment at its Core
At the heart of my practice lies a singular mission: to equip you with the knowledge, tools, and confidence required to assume control of your financial future. My role is not merely to advise but to educate, support, and empower, enabling you to make well-informed financial decisions with clarity and independence.
Let us collaborate in crafting a financial plan that is as unique and purpose-driven as you are, ensuring that your financial affairs remain aligned with your aspirations and firmly within your control.
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Contact
Address
Steve Conley
Financial Life Coach
9 Franklin Way
Spilsby
Lincolnshire
PE23 5GG
Phone No.
07850 102070
