Financial coaching
If you want to finally start growing your wealth, spend it on things that actually matter, and feel confident about your finances, then I can help.
The situation in the UK right now is a scary one, with only one in three people having a cash ISA (tax free savings), and even less (15%) having a stocks and shares ISA (tax free investing). This highlights a big gap in awareness and confidence that shouldn’t be there - we need more people saving and investing, without losing a big chunk in taxes!
According to the Money and Pensions Service (MaPS), only a third of people checked their pension in the last year - did you? An even smaller percentage (20%) spoke about it with others. But if you don’t know about your pension, and you don’t discuss it, then how can you plan retirement? How can you know when it’s possible to stop working, to reduce your working hours, or know what lifestyle you can maintain and for how long? All the answers are there if you take the time to look, and to plan.
In my financial coaching sessions, I can help you work through lots of money-related things such as budgeting, saving, investing, buying a home, couples finances, taxes, pensions, insurance, and more.If it’s to do with money, then there’s a strong likelihood I can help. I offer a free introductory call with anyone wanting to try out my financial coaching. This gives us both a chance to learn about each other and see if it’s worth taking the next step.Click here to book a sessionMy approach to coaching is holistic, which is why I’m open to discussing a wide range of questions. Our finances impact everything we do, and our relationship with money influences our behaviours in ways that we probably don’t realise until we stop and think about it. I can offer a sympathetic ear to the challenges you are facing and help you work out a solution that suits you.No question is too big to tackle or too small to be brought up. Every coach to client relationship is different, and that’s what makes this work so very interesting and rewarding (for the both of us).
While your situation is uniquely yours, there’s a common approach I tend to use when someone comes to me wanting to ‘figure out’ their finances. It starts with prioritisation and for this we can use the hierarchy of financial needs, where we discuss (and address any knowledge or confidence gaps), in relation to:1. Budgeting
2. Managing and reducing debt
3. Mortgages and borrowing
4. Financial protections
5. Retirement planning
6. Saving & investing
7. Estate & tax planningNote - while this is the traditional order to go in, the list is flexible and we can use our time together to confidentially discuss the things that are most important to you.Click here to book a call.
about me
I’m Ruth, a financial coach with heaps of experience investing and getting the best value for money. As a part-qualified financial adviser and current member of the Personal Finance Society, I spend one day each week deepening my knowledge of personal finance topics such as taxation, investing, pensions, and financial planning, ensuring that I can always bring my clients the most up-to-date information.Favourite dessert: brownie and ice cream 🍨
Main investment: global tracker fund 📈
New obsession: Hyrox gym classes 💪
Life update: I got married on 25 Feb 2026 💍
How I relax: board games and anime 🎲
Pricing
I charge £80 per month for my financial coaching. For this price, you get unlimited opportunities to book a call with me. There’s an initial minimum commitment of three months, so you would pay £240 to get started.You can cancel at anytime during the cycle, and you’ll continue to get access to me until the end of the final month you’ve paid for. Everyone is able to get an initial free introductory call before paying so that you can see if you want to continue.Click here to book a call.