Empowering you to finance your future.
Take Control of Your Financial Future with Pecunia Financial Planning
At Pecunia Financial Planning Limited, we specialise in helping individuals, families, and small business owners achieve long-term financial security, clarity, and peace of mind through holistic, personalised financial planning.
Our mission is to empower you with the knowledge and confidence to make smart financial decisions. We provide clear, impartial information—cutting through jargon and complexity—to help you understand your money and plan effectively for the future. Whether you're managing everyday finances, planning for retirement, or growing your wealth, we’re here to simplify the process.
Unlike traditional financial advisers who charge high fees for regulated advice, we act as your trusted financial guide and educator.
Our cost-effective, client-first approach helps you build a strong financial foundation without unnecessary expenses.
If you've ever felt confused or unsupported by past financial advice, you're not alone. Our tailored and flexible strategies are designed around your unique life goals—whether that’s semi-retirement, part-time work, or financial independence.
At Pecunia, we don’t just offer planning—we offer empowerment. We equip you with the tools, strategies, and confidence to take control of your financial journey and turn your goals into reality.
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Our Services
Comprehensive Financial Planning Services
Retirement Strategies
Crafting a secure and comfortable retirement plan tailored to your unique needs.
Estate Planning
Ensuring your legacy is passed on smoothly and efficiently.
Cashflow Forecasting
Providing clear and accurate financial roadmaps for your future.
Our Mission
Empowering You to Take Control of Your Financial Future
Independent Financial Planning with You at the Centre
The financial landscape has become increasingly complex. Rising fees, ever-evolving regulations, and an overload of information have created what many now call the “advice gap.” This gap leaves individuals without access to affordable, independent financial guidance—often forcing them to either pay high fees for traditional advice or risk making uninformed decisions in a confusing online world.
At Pecunia Financial Planning, we’re changing that.
We are not tied to any investment or pension providers. Instead, we focus solely on delivering unbiased, strategic financial education and life planning services—putting you firmly in control of your financial destiny.
Bridging the Financial Advice Gap with Clarity and Confidence
With over 35 years of experience in the financial services industry, we understand the challenges you face. Whether you’ve had poor experiences with costly, underwhelming advice or simply want to make better-informed decisions about your money, we’re here to help.
Our mission is simple: To empower you with the knowledge, tools, and strategies to plan your financial future with clarity and confidence.
What Makes Us Different?
Unlike traditional financial advisors, we:
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Do not sell financial products
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Do not charge based on assets under management
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Do not receive commissions or kickbacks
Instead, we provide independent, objective guidance to help you:
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Understand your current financial position
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Create a long-term strategy based on your goals and values
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Save money by avoiding unnecessary fees
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Make confident, informed decisions about your financial future
Life Planning: The Heart of What We Do
Financial planning should begin with your life—not your money. That’s why we start by helping you define your life plan:
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What does your ideal future look like?
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Do you dream of early retirement, starting a business, or owning a second home?
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Are you focused on building a property portfolio or funding your children’s education?
Life planning is the process of identifying your values, aspirations, and personal goals across every aspect of life—career, finances, relationships, health, and more. We help you create a clear, personalised vision for the future and then design a financial strategy to bring it to life.
Turning Your Vision into a Financial Strategy
Once your vision is defined, we help you:
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Calculate how much wealth you’ll need to achieve your goals
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Determine the timeline to reach those targets
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Create a personalised financial roadmap using our CashCalc software
From scaling your business or launching a new venture, to building an investment or property portfolio, we help you assess the most suitable options to meet your goals—on your terms.
Investment Guidance Without the Pressure
Many of our clients want to manage their own investments but need help getting started. We provide expert guidance on choosing the right investment platforms (also known as fund supermarkets), which offer flexible, cost-effective ways to hold pensions, ISAs, and investment portfolios.
We help you:
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Select platforms aligned with your goals and risk tolerance
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Avoid hidden fees and poor-value options
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Maintain full control of your investment decisions
Flexible, Affordable Financial Support
Your financial journey is unique. That’s why we offer a flexible, tailored approach to our services:
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One-off consultations
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Monthly or quarterly check-ins
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Annual strategic reviews
You choose the level of support that’s right for you—always transparent, always in your control.
Book Your Free 30-Minute Consultation
Your first step toward financial clarity starts with a free, no-obligation consultation. In just 30 minutes, we’ll:
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Assess your current financial situation
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Introduce our services and philosophy
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Outline our pricing with complete transparency
Whether you’re looking to take control of your investments, plan for early retirement, or simply get clarity on your next financial step—Pecunia Financial Planning is here to help.
Take Control. Create Your Life Plan. Secure Your Future.
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Contact us today to start your journey toward financial independence and a future on your terms.
Your Journey
1. Secure Your Future with Expert Financial Planning
At Pecunia Financial Planning Ltd, we understand that financial security is a top priority. We are dedicated to helping you create a solid plan that ensures a comfortable and secure future.
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This starts by getting to know you. This means we take a deep dive into your views, opinions and values including what your ideal future looks like.
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Once this is established we create road maps to get you there.
2.Personalised Financial Strategies for Your Unique Needs
Every client is different, and so are their financial needs and aspirations.
We provide customised financial planning services that align with your personal goals and circumstances, ensuring you receive the best possible guidance.
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This might mean saving strategies in pension or investment schemes, turning a side hustle or hobby into a business, expanding an existing business, investing in a portfolios of buy to let properties or simple creating a generic roadmap for your future.
3.Build, Preserve, and Protect Your Wealth
Our wealth management services are designed to help you grow your assets, preserve your wealth, and protect your financial legacy.
With our expert guidance, you can achieve your financial objectives with confidence.
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This often means working with your professional advisers like solicitors and accountants to ensure your affairs are aligned with your end game or goals.
4. Plan Your Retirement with Confidence
Retirement should be a time of relaxation and enjoyment. Our retirement strategies are tailored to help you maximise your income, minimise taxes, and ensure you have the resources you need to live comfortably.
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However there will aways be unexpected issues along the road such that can derail those plans such as inflation, changes in legislation from governments, changes in taxes, health issues or maybe an unexpected inheritance.
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Regardless what the issues we are there with you to help and offer guidance to get you back on track.
5. Ensure a Smooth Transition for Your Estate
Effective estate planning is essential to ensuring your legacy is passed on according to your wishes.
We provide comprehensive estate planning services to help you navigate the complexities and ensure a smooth transition for your beneficiaries.
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This starts with your will and arranging a power of attorney. These can be done via a solicitor or directly yourself if you feel confident enough.
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we also discuss your letter of nomination for any pension schemes as these are really important.
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Afterall this is all about protected our loved ones and ensuring any estate is passed over in a tax efficient manner with as little delays as possible.
Alexa Y, Lancashire
"Pecunia Financial Planning helped us navigate our retirement planning with ease and confidence. Their personalized approach made all the difference."
Terry D, Lancashire
If you are looking for financial advice from an experienced, trustworthy & knowledgeable professional, I would highly recommend speaking to Greg Heath at Pecunia Financial Planning.
Lisa D, Cumbria
"Pecunia Financial Planning Ltd has been a game-changer for our financial future. Their expertise and personalized approach made complex financial concepts easy to understand and manage."
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Contact us today for your free initial discussion
Percunia Financial Planning Limited
5 The Dingle, Heapey
Chorley, Lancashire
PR6 9AZ
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Email: info@pecuniafp.com
Our Phone No: 07821 524942
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