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Your journey to
Financial Freedom
Helping people secure a better financial future through education, financial planning and a 6-figure business opportunity.
FCA Authorised
FCA Number 472050
Helping people secure
a better financial future
- Authorised and regulated by the FCA (#472050)
- Providing financial education, not advice
- Partner with industry-leading experts
Over 100,000 familes helped since 2007
A comfortable retirement needs
£500,000 – £1.2 million in savings.
However, at retirement age:
How would you like to retire?
Basic? Comfortable? Luxurious?
Basic? Comfortable? Luxurious?
State Pension gives £12,000 a year, but you need at least £14,400 just to cover the basics such as housing, food, fuel *.
Sources: *gov.uk and retirementlivingstandards.org.uk
Make your money
work harder for you
Many fall short financially in the future because their savings and Investments haven’t grown enough.
By making smarter financial decisions now, you can bridge the gap between what you’ll have and what you’ll need.
Is your money working for you?
Who else needs to know this?
Who else needs to know this?
Don’t just save – invest.
Leaving your money in the bank means missing out on potential growth - the stock market has historically returned 10%* a year compared to an average of just 2.6%** in easy-access savings accounts.
Your
money
money
Traditional institutions
Global
economy
economy
Sources: *Investopedia, ** Financial Conduct Authority
Example stock market returns
A typical S&P 500 index fund has returned around 10%* annually over the past 25 years.
Always remember however, that investing comes with risks and past performance is no guarantee of future results, and values can go down as well as up.
How much protection do you need at this stage in your life?
Getting the right insurance policy
There are many different types of insurance products which you might consider, and your personal circumstances determine the one that is right for you.
There’s no cost for your Financial Game Plan. We simply ask for your support.
Is this fair enough?
Restructure your debt, release cash, use it smarter
What if you could clear debt faster and save thousands — without spending a penny more? It’s possible with a few simple changes to how you manage your money.
Combine Debts to Cut Waste
Move high-interest debts into one lower-cost loan (like your mortgage) to reduce payments and interest.
01
Free Up Cash Each Month
Lower repayments = more room in your budget.
02
Put That Money to Better Use
Redirect what you’ve freed up to:
03
- Overpay your mortgage and clear it faster
- Invest to build long-term savings
The power of reallocating your money
Real example
- £1,186/month on your mortgage
- £500/month on personal debts (credit cards, loans)
That’s £1,686/month total — and much of it is going toward interest.
01
Consolidate
Combine mortgage & debts into new £215,950 mortgage over 25 years.
New monthly payment: £1,134.
You’ve just freed up £552/month without cutting back.
02
Redirect
saved £552
saved £552
Use £450/month to overpay your mortgage
03
It’s now paid off 10 years earlier
Invest the rest
Put the remaining £102/month into an investment earning 8%
Over 15 years, that could grow to £35,000+
04
Mortgage-free 10 years early, £60,000 saved in interest, £35,000 invested — all with the same monthly spend.
Mortgage-free faster, without changing your lifestyle.
Most people pay their mortgage monthly; switching to fortnightly payments reduces interest and pays of mortgage faster. The following example is based on a £225,000 loan amount.
Total Cost: £356,140, Interest Paid: £131,140
Total Cost: £336,474, Interest Paid: £111,913
This example of saved £18,974 and 4 years off the term
Debt Stacking, a smarter way to pay off debt
Debt stacking is a strategy that helps you pay off your debts faster and cheaper.
Pay debt faster, save thousands!
In this £20,000 debt example, debt stacking could cut the repayment time by half and save around £2,771 in interest — without increasing the monthly payments.
| Debt | Monthly Payment | Monthly Payment | Monthly Payment |
| Credit card | £100 | ||
| Store card | £150 | £250 Roll payment  | |
| Loan | £200 | £200 | £450 Roll payment |
| Monthly amount | £450 | £450 | £450 |
Adding just £50 a month could save over £1,500 more in interest and clear the debt even faster.
Would you like to see how much you can save you in your Financial Plan?'
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