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Total Wealth Planner
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Why These Case Studies Matter
Financial planning isn’t about products or predictions.
It’s about creating options, reducing fear, and making life decisions with confidence.
The following case studies show how Total Wealth Planning helps people move from uncertainty to clarity — using life-first thinking, structured cashflow modelling, and calm professional judgement.
Names and details have been changed to protect privacy.
​How I Help
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Across every case, the approach is consistent:
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Done-with-you planning
Using lifetime cashflow modelling and structured frameworks — never product sales. -
Whole-life perspective
Integrating money with work, family, wellbeing, and purpose. -
Clear decision-making
Turning complexity into practical, understandable choices. -
Independence, not dependency
Clients leave with plans they understand and own.
Case Study 1
Luke & Natalia — Planning a Global Family Future
Ages: 39 & 35
Context: New parents, dual high earners, international ambitions
Luke and Natalia were successful City professionals with a growing family and big aspirations: international property, private education, entrepreneurial careers, and early retirement.
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With £1.6m in assets and £270,000 annual income, they assumed their goals were achievable — but wanted clarity before committing to major life changes.
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Using lifetime cashflow modelling and scenario planning, we tested multiple futures. Initial projections showed their goals weren’t viable under current assumptions.
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Rather than abandon the vision, we re-planned the means:
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Viable business plans for Luke’s health-tech start-up
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A consultancy model for Natalia
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Revised timelines and cashflow structure
Outcome:
Their ambitions became realistic, sequenced, and grounded. They gained confidence to pursue entrepreneurship, plan international property ownership, and grow their family with clarity — not guesswork.
Case Study 2
Colin & Julia — Aligning Wealth with Purpose in Midlife
Ages: 55 & 55
Context: Financially secure, emotionally stretched, values misaligned
Colin, a former insurance CEO with an actuarial background, managed their finances competently. Julia was a teacher. They supported two adult daughters — one requiring lifelong care — and were deeply committed to charitable work.
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Despite financial security, a deeper question remained:
Could they afford to slow down and live more purposefully — or would Colin need to keep working indefinitely?
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Through values-led conversations, cashflow modelling, and life-first scenario planning, something unexpected emerged.
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Their shared aspiration wasn’t simply “less work” — it was service, simplicity, and relocation. Asia kept appearing in their planning conversations.
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Outcome:
They discovered their desired life was not only affordable — it was available now. With clear provision for their daughter’s care, family responsibilities, and restructured assets, they chose to relocate and begin their next chapter immediately.
Case Study 3
Mary — Living Well Now, While Leaving a Meaningful Legacy
Age: 67
Context: Inherited wealth, unclear boundaries, desire for purpose
Mary was financially secure but constrained by uncertainty. She wanted to enjoy life, support her family when it mattered, and give generously — without risking her long-term security.
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She felt frustrated by slow, invasive trust processes and unclear answers about “how much was enough”.
Working collaboratively, we developed:
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A values-aligned lifetime cashflow plan
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Clear gifting boundaries
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Tax-efficient structuring without unnecessary complexity
Outcome:
Mary discovered she could afford a better lifestyle and give more generously than she imagined. She now lives with confidence, peace of mind, and the satisfaction of supporting three generations — intentionally and sustainably.
What These Stories Have in Common
Different lives. Different numbers.
One consistent approach.
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No products sold
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No commissions earned
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No pressure applied
Just life-first planning, calmly and professionally applied.