Financial planning

Builds an "if something happens to me" money file - accounts, debts, policies, pensions, bills, advisers and wishes - so a partner or executor can find everything, without storing passwords in it.

Builds a year-by-year household cash flow plan from now to late life - income, spending, big goals, retirement and assets in one model - to show whether the plan holds and which lever matters most.

Builds a personal net worth statement from assets and debts with consistent valuation rules, a liquid versus illiquid split and a quarterly update template that separates saving from market moves.

Works out a comfortable home price from take-home pay, debts, deposit and the full cost of owning, compares it with what lenders may offer, and stress-tests the payment against higher rates.

Compares mortgage types and terms - fixed, variable, term length, offset and overpayments - with worked payment scenarios, rate-shock tests and questions for a broker.

Compares overpaying a mortgage with investing or saving the same money, with illustrative scenarios, a break-even return, risk, liquidity and tax notes, and the questions that decide it.

Compares moving to a bigger or better home with extending or renovating the current one - full costs of each, value added, borrowing, disruption and timeline - for owner-occupiers.

Compares a pension lump sum or transfer value with a guaranteed lifetime income - what you give up, break-even age, inflation, survivor benefits and questions for a regulated adviser.

Compares renting and buying a home over a time horizon with every cost on both sides, the opportunity cost of the deposit, the break-even year and a sensitivity check on the key assumptions.

Compares selling your current home with keeping it as a rental when you move - net rental yield, cash tied up, tax and mortgage questions, landlord duties and a break-even view.

Compares claiming a state pension or Social Security at different ages - lifetime totals, breakeven age, survivor effects, how to fund the gap and what to check with the pension agency.

Compares staying on the lender's follow-on rate, a product transfer with the same lender or a remortgage elsewhere, with total cost over the deal, fees, breakeven and timing.

Compares selling, renting out, keeping or living in an inherited home - with co-heirs' choices, holding costs while empty, tax questions, timing and a fair buyout method.

Estimates the full upfront and ongoing costs of buying a home - deposit, transfer taxes, fees, surveys, moving and maintenance - as ranges with the rules to verify locally.

Tests whether to convert some pre-tax retirement savings to Roth this year, sizing the amount to fill a tax bracket, with worked numbers, side effects and timing risks to check with an adviser.

Works out whether letting a spare room in your home pays after tax reliefs, bills, insurance and mortgage or landlord consent, and lists the house rules and checks to settle first.

Weighs a voluntary redundancy or early retirement package against staying - net payout after tax, pension effects, benefits lost, runway until new income, and the risk of staying.

Explains equity release or a reverse mortgage with worked numbers on rolled-up interest, the effect on inheritance and benefits, the alternatives and questions for a specialist adviser.

Runs a yearly personal finance check-up across net worth, cash flow, debt, emergency fund, insurance, retirement and goals, pausing between steps and ending with a ranked action list.

Takes a first-time buyer from affordability to a deposit plan, mortgage preparation, offer strategy and a closing checklist, pausing for review at each step.

Helps an adult child take over an ageing parent's finances - legal authority to verify, bills, income and benefits, scam protection, record keeping and family communication.

Plans how a newcomer opens a first bank account in a new country - account types, the documents banks usually ask for, routes without an address or credit history, and fees to compare.

Plans money in a blended family - shared and separate costs, child support and ex-partner obligations, protecting each partner's children in wills and beneficiary nominations, and the home.

Compares buying a car new or used, leasing or financing on total cost of ownership, including depreciation, insurance, fuel or charging, maintenance and finance costs.

Plans the money side of a career change or retraining - course and living costs, the income dip, funding options, runway, a break-even year and the conditions for a go decision.

Plans the carer's own finances when cutting work to look after a relative - lost income, carer benefits and work rights to check, pension gaps, sharing costs with family and protecting your future.

Plans buying a home with a friend, sibling or unmarried partner - unequal deposits and shares, the joint mortgage, running costs, exit terms and the points a written agreement should cover.

Plans the money side of moving to a smaller or cheaper home, usually around retirement - real cash released after all costs, running-cost savings, uses for the equity and the non-money trade-offs.

Plans how to fund the years between stopping work and the ages when pensions and retirement accounts pay out - which pots to draw in what order, cash buffers, tax and health cover gaps.

Plans saving for a child's education with cost estimates to verify, monthly amounts under several return scenarios, account types to research and trade-offs with other goals.

Plans paying for fertility treatment - real cost per cycle and for several, public or insurance coverage to check, funding options and risks, and a budget with stopping points agreed in advance.

Plans the money side of losing a job - a first-week checklist, benefit and severance questions, a lean budget, which bills and debts to call, and how long savings will last.

Gives a gentle, ordered checklist of money tasks after a partner's death, from urgent bills and benefits to accounts, the estate and longer-term decisions that can wait.

Plans the money side after a serious illness diagnosis for you or a partner - income if work stops, insurance and benefit claims, bills to pause, treatment costs and the paperwork to put in place.

Prepares a household's finances before leaving a job for self-employment - cash runway, income gap scenarios, lost employee benefits, borrowing to arrange first, tax set-aside and a go or wait test.

Calculates a financial-independence number and timeline from spending, savings rate and return assumptions, with scenarios, a sensitivity check and sequence-of-returns caveats.

Compares ways parents can help a child buy a home - gift, loan, guarantor, joint mortgage, buying a share - with lender rules, the parents' own security, tax questions and fairness between children.

Explains long-term care options and costs for an ageing relative - home care, assisted living, care homes - with funding sources, how long the money lasts and questions to ask.

Plans money when moving in together unmarried - splitting rent or mortgage and bills fairly, whose name goes on what, joint accounts, unequal incomes and what a cohabitation agreement should cover.

Plans a household's money around parental leave - the income gap month by month, benefits to verify, baby costs, a pre-leave savings target and a leave-period budget.

Plans the money side of moving to another city or country - moving costs, deposits, a cost-of-living comparison, banking and currency, pensions and the tax questions - with a timeline.

Plans US required minimum distributions - when they start for you, roughly how much from which accounts, deadlines, inherited accounts, qualified charitable distributions and the tax effect.

Explains retirement income options and models illustrative withdrawal scenarios from savings and pensions, including sequence-of-returns risk, spending rules and questions for an adviser.

Projects retirement savings under low, middle and high return assumptions after inflation and fees, translates each into sustainable annual income, and lists the questions to take to an adviser.

Plans the money side of buying a holiday or second home - full purchase and running costs, extra taxes, financing options, how much use and letting income are realistic, and the effect on other goals.

Plans retirement saving for the self-employed with no employer plan - a target contribution, account types to check, a system for irregular income and how to catch up after lean years.

Builds a financial checklist for separation or divorce - assets and debts inventory, documents, steps to protect yourself, budgets for two households and questions for a lawyer and adviser.

Plans supporting a parent, sibling or adult child financially - a sustainable amount, gift versus loan versus paying bills directly, written terms, a conversation script and your own goals protected.

Works out whether a household can afford a move to part-time or reduced hours - real take-home change after tax, knock-on effects on pension, benefits and childcare, and the budget that makes it work.

Plans what to do with a bonus, inheritance or sale proceeds in priority order - pause, tax check, debts, emergency fund, goals and enjoyment - with questions for a professional.

Prepares for a meeting with a financial adviser with a clear aim, a one-page financial snapshot, documents to bring, questions about fees and conflicts, and what to ask for afterwards.

Prepares a mortgage application with a document checklist, a rough affordability check, credit-file preparation, upfront costs, broker questions and a timeline from pre-approval to completion.

Builds a dated money checklist for the last 12 to 24 months before retiring - pensions and claims, workplace benefits, health cover, cash buffer, tax and paperwork - in the order they fall due.

Ranks competing money goals - emergency fund, debts, retirement, a home, children, travel - into an order and a monthly split that fits your surplus, with the trade-offs made visible.

Plans age-appropriate money lessons for each child - allowance systems, saving jars, spending choices, compound-interest games and family conversations - shaped by the family's values.

日本の「ねんきん定期便」を一行ずつ説明し、保険料と加入期間が将来の年金にどうつながるか、記録の漏れや未納期間の確認点、年金事務所への質問を整理します。

Explains a workplace, personal or state pension statement line by line - projected income, contributions, charges and assumptions - and lists the questions to ask the provider or an adviser.

Builds the money admin checklist after marrying or registering a partnership - beneficiaries, wills, insurance, accounts, tax status, name changes and joint debt - most important first.

Explains how to use a US health savings account or flexible spending account - eligibility, how much to put in, use-it-or-lose-it rules, eligible expenses, receipts and investing an HSA.