Your life first.Then your plan.Then your money.
Financial advice often starts with your money: investments, pensions, products. We start with what you actually want your life to look like, then work out how your money supports you.
Most people think financial planning means pensions, investments, and spreadsheets. It can. But we think that is the wrong place to start.
Before any of that, we want to understand what you want out of life. What matters to you. What you are working towards. Only once we know that do we start building the financial plan to get you there.
See exactly how that works, step by stepWho we work with
We work best with people who want more than a portfolio review: couples and individuals who want to give real thought to their future, and who do not mind an honest conversation about where they are starting from. Whether you are approaching retirement, newly retired, or a business owner planning ahead, if that sounds like you, we would like to hear from you.
Not sure if that is you? Read more about who we helpWhat working with us actually looks like
Understanding your life
A free, no obligation conversation about where you are, and where you want to be.
Building your financial plan
A free, no obligation meeting using cashflow modelling to show what your money can do for the life you want.
Advice, where it is needed
Only now do we talk about investments, pensions, or products — if you need them at all.
New Chapter Financial Planning is an independent lifestyle financial planning business run by Ross Carter and Kris Steel, two Chartered Financial Planners with over 15 years' combined experience across pensions, tax planning, investments, protection and retirement income. We have built our careers on proper financial planning, and built New Chapter to continue doing it that way.
We believe in being upfront about cost, the same way we are upfront about everything else.
See our fees