Financial planning
If you want to get out of debt, buy your dream house, or retire before your knees do, it all starts with a financial plan. Here at Joyful Wealth, we see each financial plan as a roadmap to help you get from A to B — without sacrificing all the fun stuff that makes your life worth living.
Our process
To create your bespoke roadmap, aka your ‘Joyful Journey’, we’ll do a deep dive into your finances and chat about your hopes, dreams and fears in depth.
Life gets pretty hectic sometimes and it’s inevitable that your needs will change. That’s why we’ll be at your side through the holidays and house moves.
Going through a break up? We’ll be waiting in the wings with the biscuits and tissues.
Wondering whether to overpay your mortgage or invest in the stock market? We’ll help you figure out what you really want from life and how to make it happen.
No matter what life throws at you, we’ll be that one glimmer of consistency keeping you happy and on track.
“Finding the perfect financial planner is a bit like finding a personal trainer who won’t tell you off when they see you eating a Big Mac on Instagram.”
Planning Fees
If you’d like us to create a bespoke financial plan (Joyful Journey), we’ll get the ball rolling with an affordable monthly subscription. Here’s a summary of the main options and charges.
Tier 1
Individuals – £40/month £480 per annum
Couples OR Businesses – £60/month £720 per annum
Get in touch
Unlimited Access to your Financial Planner*Up to 2 Financial planning meetings per year2 Financial Wellbeing PillarsQuarterly Accountability check-ins20% Discount on Wealth Management initial Fees
Tier 2
Individuals – £65/month £780 per annum
Couples OR Businesses – £95/month £1,140 per annum
Get in touchUnlimited Access to your Financial Planner*Up to 4 Financial planning meetings per year3 Financial Wellbeing PillarsMonthly Accountability check-ins20% Discount on Wealth Management initial Fees
Tier 3
Individuals – £80/month £960 per annum
Couples & Businesses – £120/month £1,440 per annum
Get in touch Up to 6 planning meetings per year Entirely bespoke service We’ll explore all 5 Pillars of Financial Wellbeing Monthly accountability check-ins 20% discount on initial fees for additional services
Investing
If you’d like this to be the year you finally start investing or your portfolio keeps you awake at night, let’s be friends. It’s time to make the most of your money, no matter what stage you’re at.
Don’t know your stocks from your shares? We’ll help you make sense of your investments so you can make informed decisions for the future. Oh and we won’t bore you with all the technical stuff — unless you want us to. Once we’ve found the right solutions for your situation, together we can build wealth without any stress or spreadsheets.
The value of investments may go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator for future performance.
If you’d like our help investing, we’ll first need to create a financial plan aka a ‘Joyful Journey’. This will involve a monthly subscription fee as outlined in the financial planning section above. If you’d like us to research, implement and manage your investments on your behalf, we’ll also charge a wealth management fee.
Initial fees
Investment research, analysis and solution recommendation.
£595
For new investments
£995*
For Existing investments
*Up to 2 policies with additional polices charged at £95 each
Ongoing advice fees
Ongoing advice and wealth management of assets
1%
Of the value annually (capped at £5,000)
For example, to research, recommend and set up a new investment solution of £100,000 our initial fee would be £595 and our ongoing fee would be £1,000 per year.
Protecting you and your loved ones
You’ve insured your car, your home and maybe even your mobile phone, but have you insured yourself? No one likes imagining bad things happening to them. It’s much easier to pretend you’re invincible. But with a little bit of thought and a good insurance policy, you can protect your income, your family and everything you’ve worked hard for.
With thousands of insurance policies to choose from and a mountain of paperwork to get through, finding the right protection can be a challenge. This is where we come in.
With your Joyful Journey at our side, we’ll calculate any shortfall and the impact this could have on your life and your family. We then complete independent research where we’ll compare insurance products such as term assurance, mortgage protection, critical illness cover, and income protection, until we find an affordable policy that fits you perfectly.
Cover will cease on insurance products if premium payments are not maintained. Generally, these plans have no cash in value at any time and will cease at the end of the term. The definitions of cover vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.
Fees
You won’t have to pay us for protection advice and we won’t charge you any fees for setting up an insurance policy. Instead, we’ll earn a commission from insurance providers. Before you commit to a policy, we’ll give you a quote outlining the commission payable.
Mortgages
If you’d like to buy your first house, remortgage your home, or build a property empire, we can help you find the right mortgage. We’ll compare thousands of mortgage deals from hundreds of lenders, saving you time, stress and money. You’ll also have access to exclusive broker-only deals that you’d be blissfully unaware of if you waltzed into your high street bank.
Not all mortgage contracts are regulated by the Financial Conduct Authority. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Fees
We charge a £395 fee from the outset when you apply for a mortgage. If you’re a financial planning client, you’ll get a 20% discount on the above fee, depending on your chosen Tier.
After recommending a particular mortgage product, we’ll give you a Key Facts Illustration which will outline all the fees relating to that mortgage.
£395
Per Mortgage
Pensions and retirement planning
If you’ve had more jobs than you’ve had Netflix marathons and you’ve got a collection of small pensions you just don’t understand, we’ll help you Marie Kondo your nest egg.
If you don’t know where your pensions are or how much you’ve saved, we’ll track them down and combine them. Once we know exactly what you’re working with, it’ll be so much easier to plan your future.
Don’t panic if you haven’t started saving for retirement yet. We’ll help you find the right pension, ISAs and investments for you.
A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Levels and bases of, and reliefs from, taxation are subject to change and their value value will depend upon personal circumstances.
Fees
We can offer pension advice as part of our ongoing financial planning service. Wealth management fees may be payable. Please refer to the Financial Planning and Investing sections for a breakdown of these fees.
Tax planning
Our tax system is complicated and the rules are constantly changing. It can sometimes feel as though HMRC wants to bore us into a coma.
But although tax planning sounds terribly boring, the impact it can have on your life is exciting! Think of it this way: the less tax you pay, the more money you’ll have in your bank account today and the more wealth you’ll build over time.
Careful tax planning could see you buying a bigger home, building a more profitable business or retiring that little bit sooner. It can help you pass more money down to your loved ones, and so on.
We’ll wade through all the rules and regulations so you don’t have to. Thanks to pensions, ISAs, trusts and various other tricks of the trade, we’ll help you build wealth for the future without that nasty ‘I’ve just been robbed’ feeling every time you get your tax bill.
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning or trust advice. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Fees
We’ll offer tax planning support as part of our ongoing financial planning service. Wealth management fees may be payable. Please refer to the Financial Planning and Investing sections for a breakdown of these fees.
Financial Wellbeing Workshops
Empower your employees to take control of their finances with our Financial Wellbeing Workshops.
We’ll help your team with budgeting, money management, and debt. We’ll provide guidance on regulated financial products such as pensions and investments. We can even talk about how our relationships and emotions can influence our attitude to money.
Fees
£750
Per Workshop
£1,000
workshop and drop in clinic for up to 50 employees.
We’ll offer you an initial discussion free of charge, where we’ll discuss your needs and objectives, before offering a detailed description of our services and prices. All the information we provide will be based on your company culture, staff demographic and remuneration package/workplace pension.
Let’s have a chat
If you want to take control of your finances and overhaul your life, you need a financial planner you can gel with. That’s why we offer free consultations so we can get to know one another. During this initial chat, we’ll chat about your needs and objectives and talk you through our services in detail. If you’d like to get started, book a call with us today..
Jo is a Chartered Financial Planner & holder of the prestigious title of Fellow of the Personal Finance Society. The fellowship is the highest qualification awarded by the governing body.
Get in touch
07572957278
hello@joyfulwealth.co.uk
Twin Acres, Hulme Hall Lane,
Allostock, Cheshire, WA16 9JN
Affiliations
