I will guide you through my 5-step personal finance process - tailored to you every step of the way. 

We can place greater focus on the areas most relevant to you, while moving swiftly through any sections that may not apply. 

As a money mentor and financial planner I am here to guide you to make your own decisions. There will be practical steps throughout that will allow you to make the most of your money. 

Not many people get rich through luck. 

Step 1: Facing Your Finances

What happens to your money each month? Are you prepared for an emergency?

Most importantly...what does your "rich life" look like? What are you doing to prepare for it?

This first stage is fundamental to the whole process - connecting your finances to your personal goals. We will spend some time looking at your relationship with money, establishing direction with your finances and complete practical steps such as automating your savings.

Step 2: Freedom From Debt

We will take a clear, structured look at any debt you may have and create a practical plan to manage it. No debt? We will prioritise building an emergency fund so that you are protected against unexpected expenses and therefore safeguarded against debt in the future. 

After this stage you should never be worried about money again.

Step 3: Invest in Your Future

We can now turn our attention to building your wealth. Together, we will explore how investing can work for you—making your money grow, rather than simply sitting in savings. We will look at investment options, looking at their pros and cons. We will explore ways to effectively reduce your tax bill, helping you keep more of what you earn. 

Step 4: FIRE and Retire

Whether early retirement feels within reach or like a distant dream, we will work together to create a clear, realistic path to Financial Independence and Retire Early (FIRE). We will explore strategies to bridge the gap between retiring early and when pensions begin, identify how much you may need to invest, and build a plan that turns your retirement goals into achievable milestones. This stage is about designing a future where you have choice and flexibility. We will make sure that we know where we are heading and why, rather than just ending up drifting into the unknown. 

Invest in Their Future

Securing your own financial future always comes first, but rightly so, many people also want to support their children’s or grandchildren’s future. In this stage, we will explore the different ways you can provide financial support and discuss the advantages and disadvantages of giving money to future generations. We will also discuss best practices to ensure that any contributions are both beneficial and sustainable, protecting long-term security.

If you are interested then please email ridgewaymoneymentor@gmail.com

If you have any questions about how I charge for my time, please head to the Pricing page

This all sounds too good to be true....

"Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it,” - Albert Einstein

The examples above paint not an unrealistic expectation, but do not consider things like inflation so unfortunately it isn't quite as rosy as the picture above paints. However, with regular investment over the long term it is impressive what compound growth can do. We can also 'boost' these savings through tax efficiencies so the picture may be even better. Together we will untangle your ambitions, create a plan and prepare for a wonderful future. 

It sounds complicated...

We will spend as much time together as you need and ensure that you feel confident every step along the way.

The internet has opened up so much information - some of which is a blessing and some of which seems to add to the complication. I will guide you through the entire process at a speed that you are happy with - you will feel confident at every stage. 

If you are interested then please email ridgewaymoneymentor@gmail.com