Clear on money, at home and in the business.
Life & Money, by JR
Coaching for founders, directors and their families. We start with your life, not your ledger, with a former FD and CFO in your corner.
For founders, directors and the families behind them.
The business might be doing well while home feels less certain. We talk through what you pay yourself, what your partner needs to know and what you're building towards. This is coaching, not advice, from an ACCA-qualified, Animas-trained coach.
Return on Life > Return on Investment.
The financial industry is obsessed with growing wealth for the sake of wealth. But a perfect spreadsheet means nothing if your career burns you out, you constantly argue with your partner, or you feel trapped.
My practice uses a different metric: Return on Life. We do not optimise for the highest bank balance. We optimise for freedom. We fix the math so you can buy back your time, protect your peace, and actually start living.
The Coaching Approach
A different kind of financial conversation.
1. Your Life, Unfiltered.
Money conversations usually start with spreadsheets. We start with you. We sit down to discuss your actual life: your fears around money, your unspoken goals, and what financial confidence truly looks like for you. No jargon, no judgement.
2. Building the Mindset.
Knowledge isn't enough; behaviour is everything. Using my Animas coaching training, we unpack the money habits holding you back. We bridge the gap between knowing what to do and actually feeling confident enough to do it.
3. The Math to Back it Up.
This is where the coaching meets reality. Backed by my ACCA qualification and 16 years in corporate finance, we turn your life goals into a clear picture of what is possible. You get the empathy of a coach, backed by the mathematical rigour of an accountant.
More than a spreadsheet. A total financial reset.
1. Unpacking the Mindset
We uncover the hidden habits and emotions driving your spending. This is a safe, private space to talk about money, a topic that usually feels taboo.
2. Practical Execution
Say goodbye to strict budgets. We build a simple Spending Plan. We create a strategy to clear your debt. We build the habits you need to manage your daily cash flow.
3. Proactive Life Planning
We use powerful models to stress-test your future. Want a career break? A safety net? Early retirement? We get clear, together, on what it would take.
Do you need a Coach or an Advisor?
Make an informed decision about who should sit in your corner.
Life & Money Coach (My Role)
- Empowers you to manage your own money
- Focuses on behavioural psychology and habits
- Builds spending plans and debt strategies
- Zero conflict of interest (no products sold).
Traditional Financial Advisor
- Tells you where to put your money
- Focuses strictly on wealth accumulation
- Manages investment portfolios for you
- Sells FCA-regulated financial products.
I don't sell financial products, earn commissions, or manage investments. My only interest is yours.
What is your financial baseline?
Take this 60-second diagnostic to uncover your hidden money blocks and unconscious behaviours.
Question 1 of 6
When you check your bank balance, how do you usually feel?
Visualise your next milestone.
Play with the numbers below. Let's see what it takes to make your next life goal a mathematical certainty. Consider this a starting point for our conversation.
Enter your email to reveal the exact month and year you will hit this goal, plus my free UK guide to building everyday money confidence.
The Education Hub.
I believe in radical transparency. Read the insights below or download my free templates to start taking control of your wealth today.
The Zero-Anxiety Spending Plan.
Budgets look backward and induce guilt. A Spending Plan looks forward and gives every pound a purpose. Download the exact template I use with private clients.
The First-Session Promise.
Getting clear on your money requires absolute trust. If, at the end of our initial deep-dive strategy session, you do not feel completely confident that I am the right partner for your money journey, simply let me know. I will refund your session fee in full, immediately. No awkward questions, no trapped contracts.