Your Financial First Responder—Independent, Ethical, On Your Side
When life knocks you down—bereavement, divorce, redundancy—I’m here to get your life and finances back on track. As your Financial Life Coach, I work only for you, not for product providers. No sales, no hidden agendas—just expert, compassionate guidance to stabilise your finances and restore your confidence.
✅ Independent, client-first advice—always
✅ Hourly-based, transparent fees
✅ Personalised, actionable support—no products, no sales commissions
Your Independent Financial Advocate—Clear, Ethical, and Always On Your Side
When life throws challenges your way—whether it’s loss, separation, job change, or financial upheaval—you need guidance you can trust. I provide impartial, principled advice with no product sales, commissions, or hidden agendas. My only commitment is to you: ensuring clarity, confidence, and control at every step.
Why Choose Financial Life Coach?
✅ Truly Independent & Transparent
No products, no sales talk—just expert, unbiased advice tailored to your unique needs.
✅ Affordable & Accessible
Pay by the hour for exactly the help you need—no more, no less. Integrity and fairness are built into everything I do.
✅ Empowering & Ethical
I give you the tools, knowledge, and confidence to manage your own finances—free from commercial influence or dependency traps.
Keep More of What’s Yours
By guiding you to buy financial products directly—using trusted resources like Consumer Association research—you can cut out unnecessary fees and keep more of your hard-earned money working for you. You don't need salespeople. You need knowledge, clarity, and control.
A Lifeline When You Need It Most
My one-to-one coaching helps you recover quickly from life’s financial shocks and stay on track for the future you deserve. And if you prefer to work alongside others in a supportive space, my Repair Masterclass offers group-based recovery coaching over 12 weeks—practical, affordable, and empowering.
Your future, your financial freedom—on your terms.
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Independent Financial Planning—True Guidance, No Sales Pitch | Lifetime Financial Planning—For Life’s Ups and Downs
At Financial Life Coach, we believe financial planning is more than numbers—it’s about helping you build a life that reflects your true goals, values, and dreams. Our Lifetime Financial Planning is designed to guide and support you at every stage of life, giving you clarity, confidence, and peace of mind. What is Lifetime Financial Planning? It’s a flexible, lifelong partnership that evolves as your life does. Whether you're navigating a big change—like retirement, bereavement, or career shifts—or simply want to stay on track, we provide personalised advice that covers every aspect of your financial well-being. Our approach is holistic: we look at your whole life, not just your money, to create a plan that moves and grows with you. Why Choose Lifetime Financial Planning? ✅ Accessible & Inclusive We make high-quality financial planning simple, jargon-free, and affordable—no matter your starting point. ✅ Transparent & Trustworthy We don’t sell products or earn commissions. You get 100% honest, unbiased advice every step of the way. ✅ Personal & Holistic Your goals, your challenges, your life. We take the time to understand you fully and build a strategy that truly fits. ✅ Supportive & Empowering We don’t just give advice—we help you gain the knowledge and confidence to take control, long after our sessions end. Get Back on Track, Stay on Track Whether you need a long-term plan or urgent help after a life shock, we’re here. Alongside one-to-one coaching, we now also offer the Repair Masterclass—small group coaching to help you recover quickly and get moving forward with confidence. Your Journey Starts Here With Lifetime Financial Planning, you're not just preparing for tomorrow—you’re building a lifetime of financial freedom, security, and purpose. Let’s take the first step together.
Done for You: Bespoke Financial Planning, Managed with Integrity | Hourly or Project-Based Fees—No Sales, No Commissions
Looking for expert help to take the weight off your shoulders? I provide independent, bespoke financial planning—professionally managed, always in your best interests.
Sadly, many people have lost out because some regulated advisers structure their fees based on selling you products, like pension transfers—creating conflicts of interest. That’s why I do things differently.
What Makes This Different?
✅ 100% Independent Advice—no products, no commissions
✅ Transparent Fees—you pay only for time and expertise
✅ Your Best Interests First—Always
A Trusted Financial Ally
Although I no longer sell regulated financial products, I bring over 40 years of experience in pensions, investments, and financial planning—at the highest levels of the industry. Today, I choose to work free from sales targets and commercial pressure, offering honest, practical advice that empowers you.
My mission is simple:
➡️ To give you clarity, confidence, and full control over your financial future.
➡️ To ensure you never feel pressured into buying something that isn’t right for you.
Why This Matters
Most advisers work within a system regulated by the Financial Conduct Authority (FCA), which allows them to sell financial products. I work under the Competition and Markets Authority (CMA), which means:
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I don’t manage your money or recommend specific products.
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Instead, I guide you to reliable, independent resources (like Consumer Association research) so you can make safe, informed choices—without paying unnecessary fees or commissions.
If you want someone to make investment decisions for you, you’ll need an FCA-authorised adviser. But if you want truly impartial advice that keeps you in control, you’re in the right place.
A Fairer Way to Plan
At Financial Life Coach, I believe financial planning should be transparent, ethical, and empowering. You pay only for my time and expertise—not based on how much money you have or what you buy. Together, we’ll build a plan that’s tailored to your needs and keeps you firmly in control of your financial journey.
Take Control of Your Future: Empower Yourself with the GAME Plan
If you believe financial freedom should be shaped by your own goals—not by the profit motives of advisers and product providers—you’re in the right place.
What is the GAME Plan?
The GAME Plan is a breakthrough framework that helps you take full ownership of your financial life. It’s designed for people who want to:
✅ Make smart, confident financial decisions
✅ Stay in control—without relying on intermediaries
✅ Align their money with their values and life goals
GAME stands for:
Goals, Actions, Means, Execution—a simple but powerful process that puts you in the driver’s seat. It connects your financial strategy directly to your personal dreams, giving you clarity, confidence, and a clear path forward.
Why it Works
Most financial advice starts with products and pushes you toward their outcomes. The GAME Plan starts with you—your life, your goals, your future. It helps you build a strong, flexible financial strategy that’s truly yours.
Ready to Take Ownership?
Discover how the GAME Plan can transform your financial journey—giving you the tools, knowledge, and confidence to manage your finances independently and with purpose.
Join the Movement: M-POWER and the Academy of Life Planning
We believe financial empowerment should be a right, not a privilege. That’s why Financial Life Coach has partnered with the M-POWER Movement—a global initiative dedicated to giving individuals the tools, knowledge, and support to take full control of their financial futures.
Together, we’re working toward a fairer, more inclusive world—where financial education and planning are accessible to everyone, without the barriers and hidden agendas of traditional financial institutions.
What This Means for You
✅ Access to cutting-edge resources, education, and support
✅ A community of like-minded people all striving for financial freedom
✅ A commitment to integrity, transparency, and empowerment
We’re setting new standards for what financial planning can and should be—built on trust, fairness, and genuine independence.
Be Part of the Change
Join us in building a future where everyone has the power to make informed, confident financial decisions—free from pressure, products, and profit-driven interests.
Master Your Money: The Must-Read Guide for Financial Independence
Want to manage your finances like a pro—without relying on expensive advisers? The second edition of Be Your Own Financial Adviser by Jonquil Lowe is your go-to resource.
This practical, easy-to-understand guide gives you:
✅ Expert tools and strategies to manage your money wisely
✅ Clear explanations of financial concepts (no jargon!)
✅ Step-by-step guidance to build confidence and control
Whether you’re just starting out or fine-tuning your financial plans, this book empowers you to take charge—making smart decisions that protect and grow your wealth.
Why leave your financial future in someone else’s hands when you have the power to master it yourself?
Take the Next Step Toward Financial Freedom
Get your copy today and start building the knowledge, skills, and confidence to truly be your own financial adviser.
Working Together: Clear, Trusted Guidance for Your Financial Journey
When you engage my services, you’re entering a partnership built on trust, transparency, and your best interests. My role is simple: to give you clear, impartial advice—always tailored to your unique situation—so you can make confident, informed decisions about your financial future.
Whether you need a one-off consultation or ongoing support, you’re in control. I offer flexible options designed to fit your needs, without pressure or long-term commitments.
What you can expect:
✅ Honest, expert guidance—no product sales, no hidden agendas
✅ Clear, practical steps you can act on right away
✅ A focus on your goals, challenges, and success
Let’s Build a Plan That Works for You
If you’re curious how I can help—or ready to get started—I invite you to book a free, no-pressure chat. Together, we’ll create a plan that brings you clarity, confidence, and financial peace of mind.
Navigate Financial Complexity with Confidence and Clarity
Managing your finances can sometimes feel like trying to find your way through a maze—confusing, stressful, and full of unexpected twists. But you don’t have to figure it out alone. I’m here to guide you every step of the way, helping you make clear, confident decisions that keep you in control.
Together, we’ll take a structured, personalised approach to simplify the complex—turning your financial plan into a practical, actionable strategy that’s designed around you.
My promise? To help you build a foundation of stability, security, and success—without confusion or overwhelm.
Go Beyond Wealth: Discover the Impact Planning Service
Go Beyond Wealth: Discover the Impact Planning Service
Are you ready to aim higher than just financial security—and pursue a life filled with meaning and purpose?
The Impact Planning Service is designed to help you:
✅ Align your skills, passions, and values with your financial goals
✅ Create a career and lifestyle that make a real difference—for yourself and the world
✅ Set goals that reflect both personal fulfilment and global good, inspired by principles like the UN
Sustainable Development Goals
True wealth is about more than money—it’s about wellbeing of mind, body, heart, and spirit. Impact Planning helps you design a life that’s rich in both personal success and meaningful contribution.
Make Your Mark
This is your chance to harness your talents, collaborate with like-minded changemakers, and tackle the challenges that matter most—leaving a lasting legacy you can be proud of.
As Margaret Mead said:
"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it is the only thing that ever has."
Ready to Find Your Purpose?
Let’s explore what you’re truly capable of—and build a life of impact, prosperity, and purpose.
Learn More About Impact Planning →
Whole Market Cash Management: Make Your Savings Work Smarter
Is your cash sitting in a low-interest account, quietly losing value? Don’t let your savings go to waste.
My Whole Market Cash Management Service helps you:
✅ Keep every pound safe under the Financial Services Compensation Scheme (FSCS)
✅ Find the best available interest rates across the UK market
✅ Optimise your cash for both security and growth
With a tailored, hands-on approach, I’ll guide you to make sure your cash reserves are not just sitting idle, but working efficiently and earning more—without compromising safety.
Why It Matters
Smart cash management can make a significant difference to your overall financial picture. With the right strategy, your cash can:
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Stay protected
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Deliver stronger returns
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Support your long-term goals more effectively
Let’s Optimise Your Savings
Ready to put your money to work? Discover how my cash management service can help you achieve maximum security and maximum growth.
Lifetime Cashflow Planning: Clarity and Confidence for the Years Ahead
Wondering if you’re on track for retirement? Planning a big life change? Or simply want to make sure your money is working hard for you?
My Lifetime Cashflow Planning Service takes the guesswork out of your financial future. Through personalised online consultations, I’ll work with you to:
✅ Fully assess your current financial position
✅ Build a detailed lifetime cashflow forecast
✅ Create a clear, actionable plan for savings, investments, and income
Why It Matters
This service helps you answer key questions like:
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Will I have enough to retire comfortably?
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Can I afford that major purchase or investment?
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How do I keep my income streams stable and diverse?
By planning ahead, you gain **clarity, control, and peace of mind—**no more guesswork or sleepless nights.
Take Control of Your Financial Future
With a smart, structured plan, you’ll feel confident in every decision you make—today and for the years to come.
Financial Life Planning: Align Your Money with Your Life’s Ambitions
Financial planning isn’t just about numbers—it’s about helping you achieve what matters most. I go beyond basic financial management to create a plan that’s fully aligned with your personal and professional goals.
Through a bespoke, holistic approach, I work with you to:
✅ Understand your unique aspirations
✅ Build a clear, personalised financial strategy
✅ Use advanced tools and visualisations to give you deep insights into your financial path
The result? Confidence and clarity at every stage of your journey—so you can make smart, informed decisions that truly serve your future.
Optimise Your Cash: Whole Market Cash Management
Don’t let your savings underperform. My Whole Market Cash Management Service ensures your cash is:
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Fully protected under the FSCS
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Working harder to achieve competitive growth
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Strategically positioned with the help of Deposit Sense for maximum efficiency
This service blends risk management with smart strategy to get the best from your cash reserves.
See Your Future Clearly: Lifetime Cashflow Forecasting
Using Voyant’s advanced analytics, I create realistic, detailed forecasts of your financial future. This gives you:
✅ A clear picture of your long-term outlook
✅ Peace of mind and structure
✅ The tools to plan for every life stage with confidence
No guesswork—just precise, actionable insights.
No Product Sales. Just Honest Advice.
Tired of financial advice that feels like a sales pitch? My guidance is completely product-free, focused only on your best interests. I help you design a strong financial framework, while the choice to implement through a financial adviser—or manage it yourself—remains with you.
Empowering You with True Independence
My mission is simple: to provide clear, impartial guidance that puts your financial wellbeing first. You’ll gain:
✅ Objective, expert insights
✅ A trusted partner who’s free from conflicts of interest
✅ The knowledge and tools to take control of your financial future
Together, we’ll build a strategy that gives you confidence, clarity, and long-term security.
Why Choose a Financial Life Coach? Trusted Guidance for Life’s Financial Journey
Financial planning isn’t just about numbers—it’s about building a life that reflects your true goals and values. A Financial Life Coach offers more than technical expertise: I provide a holistic, personalised approach that helps you take full control of your financial future with clarity and confidence.
Unlike many traditional advisers—who often focus on selling investment products—my guidance is:
✅ Impartial and product-free
✅ Entirely focused on your best interests
✅ Built on trust, transparency, and integrity
Together, we’ll create a clear, flexible financial strategy that evolves with your life, giving you the insight and confidence to make smart, independent decisions.
What You’ll Gain:
✅ Clarity on your long-term goals—so every decision moves you closer to your bigger vision
✅ A tailored financial roadmap—designed to adapt as your life changes
✅ Stronger financial literacy—so you’re equipped to manage your money with confidence
✅ Objective, unbiased advice—focused 100% on your wellbeing, not on selling products
My Commitment to You: Proven Expertise, Personalised Guidance, and True Empowerment
✔ Proven Expertise
With 40+ years in the financial services industry, I bring deep knowledge and real-world experience—delivering advice that’s practical, strategic, and reliable.
✔ A Personalised Approach
No cookie-cutter plans here. I take the time to fully understand your unique circumstances, aspirations, and challenges—crafting a strategy that truly fits you.
✔ Empowerment at the Core
My mission is to equip you with the knowledge and confidence to take control of your financial future. I don’t just advise—I support, educate, and empower you to make informed decisions, every step of the way.
Let’s Build Your Future, Together
Your financial journey is personal—and your plan should be too. Let’s work together to create a strategy that aligns with your goals and keeps you in the driver’s seat.
Stay in the loop
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Contact
Address
Steve Conley
Financial Life Coach
9 Franklin Way
Spilsby
Lincolnshire
PE23 5GG
Phone No.
07850 102070
