What does it mean to be financially well?
You’ll feel well financially if you feel in control - that doesn’t mean all your problems are solved, but it does mean you understand what they are and what you need to do to solve them.
Knowing that you have a plan and that you haven’t missed anything will make you feel able to take decisions rather than avoid them.
What’s the opposite of financial wellbeing?
Being unwell financially means you can’t cope with your current problems nor anything that might be round the corner. You bury your head in the sand hoping that the world will stop.
You’ve got to understand uncertainty - if you don’t you’ll have no idea about what you’d do if something bad happened, you’ll feel out of control and become financially unwell.

Do you have any of these symptoms?
- Your employees are showing the signs of financial anxiety
- You spend all your waking moments worrying about money
- You and your friends all have the same money concerns
- You are totally confused and don’t know where to start
- You’ve been sold something you didn’t want or ask for

Why is financial wellbeing so important?
Wherever you live, surveys show that money is one of the most common sources of stress for people.

Impairs productivity and motivation
If you’re focused on money worries you won’t be focused on your job. And whatever your employer does for you will never quite seem “enough”.
Damages personal relationships
Money stress follows you around wherever you go, at home with your family, at work with your colleagues, and out socially with your friends.
Harms physical and mental health
Chronic stress can cause anxiety, depression and substance abuse. You can lose interest in life, and be constantly worried about your health.
Financial wellbeing is not the same as “not being sick” - it means acknowledging uncertainty and being comfortable with taking decisions rather than avoiding them.
Why is achieving financial wellbeing so hard?
Because the world makes it hard.
Employers - the great, the good and the not so good
“Wellbeing” is an HR buzzword. Good employers provide support for their employees’ physical and mental wellbeing. Great employers add financial wellbeing too.
Financial companies - good for them not for you
Look at what they do not what they say. Financial companies bundle stuff up so you end up buying what you don’t need. A level playing field of info? Forget it!
Financial advisers don’t “advise” - they sell
Sexy titles like “financial planner” cover up the fact that they don’t advise or plan - they sell. When has an “advisor” ever advised you not to buy anything?
“Sophisticated” is a cover-up for “complicated”
Sophistication is a ruse to cover up complication. Companies do that to make it hard for you to understand how expensive it really is. What happened to trust?
Making it easier looks like this:

What do you need for financial wellbeing?
Be better informed
Finances can be a minefield - to make the best decisions for your family you need to understand what’s going on and recognise what you don’t know.
Someone to talk to
Nobody can be expert on everything, not even financial people themselves. Find someone to talk to (us!) but not someone who’s going to sell to you.
Understand uncertainty
Nothing stays the same forever and nobody can foresee how things might change in the future. Financial wellbeing means knowing that and accepting it.
Make your own plan
Financial wellbeing means regaining control. And that means having a plan - one you can adjust, update, be honest with yourself about and follow.

How can we help you with financial wellbeing?
EDUCATE AND INFORM
We’ll give you the knowledge and the tools you’ll need to make the best decisions for yourself.
UNRAVEL COMPLEXITY
To stop you getting ripped off and bamboozled, we’ll unravel finance to make it simple.
PROTECT AND DEFEND
We’ll show you how to defend yourself against scammers and protect yourself from sales hawks.
UNDERSTAND UNCERTAINTY
You’ve got to manage what might and might not happen in the future, so you’ll always be ready.

We’ll do what we can so that you understand your finances and the uncertainties of the future. You’ll then be back in control again.
Unsure? Unclear? Try us out!
Worried about your employees? Or about yourself?
Then YOU have to start somewhere.
Nobody else will to do it for you.
By booking a FREE SESSION you will see:
- The way we explain things
- How we make the complicated stuff simple
- What the scammers and cheats do
- What you can do to help yourself, and
- How that will make you feel better
We don’t promise magical solutions. But we DO promise you’ll be back in control and financially well again.
You don’t buy clothes without trying them on first, so we’re not expecting you to do anything different with us.
Try us out for size!
Why is financial wellbeing so relevant?

Employers
Good employers provide employee assistance programmes and care about their employees’ physical and mental wellbeing. Great employers provide financial wellbeing too.

Individuals
You can spend your life with your head stuck in the sand, paralysed by financial worries every day. Or you can do something about it and stop letting the world control you.

Groups
You’ll have similar financial concerns to your friends. Talking in groups can help you realise things you hadn't thought of but that are relevant to you too and need fixing.