We appreciate how busy life is, and that it is difficult to find time to look at everything important to us.

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An area that lots of people seem to need assistance with is personal financial management. This is even true of people who are earning a good salary and receive great employee benefits from their employer! We all have worries over certain aspects of our finances, but many will constantly put it off for another day as they don’t feel confident in making decisions or simply don’t know where to start.

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We all want to feel comfortable with our finances, but it can be daunting without someone to assist and set us on the right path. Good financial management does not happy overnight. It is a constant journey throughout our working lives, but having a solid foundation and a plan will reduce your stress and give you more peace of mind.

 

How we can help:

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Your employer may have engaged ZLS to provide you with an initial complementary meeting. This is a confidential, one to one virtual chat and a good starting point for us to understand what is important or causing you concern. It will generally last 45 mins, so it is important you have done some preparation to get the most out of it.

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Some initial aspects to consider:

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1. Are you aware of what employee benefits you receive from your employer?

2. Do you understand these benefits and how they can help with aspects of your personal finances?

3. What are your main areas of concern or financial aspects you know you need to look at?

4. Can you prioritise what is most urgent, as generally it is more confusing to look at everything at once?

5. What does good look like? What position do you need to achieve so that you will achieve peace of mind?

 

Areas in which I can help include: 

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• Organising your financial paperwork

• Get a better awareness of what you already have and simplify matters

• Understand how your employee benefits impact your personal finances

• Budgeting & creating more disposable income

• Pensions aspects of both employer and personal plans

• Regular savings & investment principles

• Establishing some goals and a plan

• Gradually help you become more confident to make financial decisions

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The cost of any additional work and meeting time is generally £100 per hour, depending on the type and complexity of work. An IFA will be considerably more than this. I am currently non-vatable, which will save you some money. Meetings can be booked and paid in advance using the diary booking system. You can pay for a block of time, which is more cost effective than paying for each session as you go.

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I have employee benefit and personal finance expertise, but I’m not a traditional adviser. I am unregulated, meaning I do not sell financial products or recommend providers. If during our discussions I think you require regulated advice, I will explain the reasons and may be able to introduce you to an Independent Financial Adviser (IFA).

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Before engaging us and booking meetings, please read our Business Terms & Conditions for individual clients:

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To book additional sessions as an individual (not through your employer), please click below for details of plans available: