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Services | Total Wealth Planner™
What Is a Total Wealth Planner?
A Total Wealth Planner is not someone who tells you what to do with your money — and certainly not someone who sells you products.
I don’t manage assets.
I don’t earn commissions.
I don’t create dependency.
I work alongside you as a life-first planning partner, helping you design the structure of your life and finances so decisions become clearer, calmer, and more resilient.
This is not therapy.
It is not behavioural coaching.
And it is not traditional financial advice.
It is planning — properly sequenced.
Life First. Money Second. Always.
Most financial services start with money and work backwards.
Total Wealth Planning starts with you.
Using the GAME Plan™ framework, we work together to:
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Clarify what matters now — not what used to
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Visualise a realistic, meaningful future
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Design a life-first plan aligned with your values
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Build financial architecture to support that life
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Simplify decisions by removing what doesn’t serve you
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Equip you to act independently, with confidence
You leave with a plan you understand, own, and can adapt.
Done-By-You. Done-With-You. Never Done-For-You.
This is your life to lead.
I don’t take over decisions or position myself as indispensable.
My role is to provide structure, perspective, and professional judgement while you remain in control.
There are:
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No recurring fees unless you choose them
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No long-term contracts
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No pressure to continue once clarity is restored
Many clients work with me through a transition — then return later when life changes again.
That’s intentional.
Who This Is For
Total Wealth Planning is designed for people who are capable, thoughtful, and facing complexity.
You might be navigating:
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Bereavement, separation, or inheritance
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Career change, redundancy, or burnout
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Business transition or succession
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Retirement redesign or later-life planning
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Family support, legacy, or intergenerational decisions
You don’t want a sales process.
You want someone structurally on your side.
Core Areas I Support
How It Works
1 / Discovery Session
A 60-minute session (Zoom or in person) for £100. Book here.
2 / Exploration
We clarify what’s changed, what matters, and what’s at stake
3 / Planning & Activation
Using tools such as lifetime cashflow models, human-capital planning, and structured decision frameworks
3 / Your Total Wealth Plan
You leave with clarity, confidence, and a plan you own
(Optional follow-up sessions available if and when needed.)
What My Clients Say
Ian M - UK
"Steve offers exceptional service and experience, from developing a life plan to creating a comprehensive financial strategy. With transparent fixed fees and expert advice, he adds critical value and come highly recommended."
Very clearly explained advice when I most needed it
March 2025 — Lisa Jackson
Lancing, England
"I was recently widowed when I came to Steve to help me sort out my finances. A previous financial advisor had wanted to charge me eye-watering fees that would have meant, at the end of my term with him, I may as well as given him the keys to my flat! Steve charged a much more reasonable fee to help me get my finances in order and was incredibly good at patiently explaining things to me (my bereavements meant I suffered from brain fog, so found it hard to grasp things). I was given guidance on where to invest my money so that it was protected by the FSCS and also how to invest in LifeStrategy products on the Vanguard platform. Our regular meetings 'forced' me to take action and empowered me to make decisions about my financial planning. Steve is incredibly kind, supportive and knowledgeable and I really appreciated his help during one of the most stressful periods of my life. Highly recommended. Thank you Steve!"
