Results in years
The plan states each risk as the number of years it takes off how long your money lasts. If four years of care costs you eleven years of money, the plan says eleven years.
Financial plans that show whether your money lasts
Buzz Financial Planning writes a projection of your money for every year to age 100, with the UK tax worked out and stress tests on the main risks. You keep the written plan.
What you get
- Every year to 100, with the tax worked out
- Each risk measured in years
- Stress tests: markets, care, longevity
- Every assumption printed
- Actions for the next ninety days
- Ongoing planning, £49 a month
What the Financial Plan contains
Stress tests
The plan tests markets falling early in retirement, one of you living to 97, care costs and a business sale that does not happen, and prices each one separately so you can see which risks matter to you.
Assumptions
Inflation, growth, charges and the tax treatment used are all printed in the plan. You can check each one and ask for it to be changed.
How it works and what it costs
- 1Free Healthcheck
Connect your bank read-only and the Healthcheck sorts the last few months of spending into categories from your actual transactions. It takes about two minutes, needs no card, and the connection cannot move money.
- 2Goals, free
You set out what you want the money to do, with an amount and a date on each goal so that it can be modelled.
- 3The Financial Plan, £1,500
A written document that projects every year to age 100 with the UK tax worked out, shows in years how much each risk would shorten the time your money lasts, and sets out actions for the next ninety days. Every assumption is printed in it.
- 4Ongoing planning, £49 a month
The projection is re-run, you have a review session, the written plan is kept up to date, and you can ask a planner when something changes. You can cancel at any time.
Buzz Accounting, Buzz Money Coach and Buzz Legal
Most planning clients already have their accounts done by Buzz Accounting, which holds the business's figures. Buzz Money Coach is for spending and money habits. Your plan works out the inheritance tax on what you leave behind, and acting on it usually needs a will and often powers of attorney, which Buzz Legal deals with.
The companies are in one group and share one set of figures, so you provide each figure once.
Financial planning is not regulated advice
Buzz is not authorised by the Financial Conduct Authority and does not give regulated financial advice. Where a decision genuinely needs a personal recommendation on a product, we say so and can introduce you to Equity & General Financial Services Limited, authorised and regulated by the FCA (No. 474163). The introduction is optional and there is no obligation. If you become their client, E&G pay Buzz a commission — you are told before the introduction is made. The FCA does not regulate tax, trusts, will writing or some forms of estate planning.
Financial planning questions
Is this financial advice?
No. Financial planning is not a regulated activity, and Buzz does not recommend specific pensions or funds. The plan works out whether your money lasts and what changes the answer; if acting on it needs a regulated recommendation, we say so and can introduce you to Equity & General (FCA No. 474163).
What happened to Buzz Financial Services?
Buzz Financial Services is not trading and gives no advice. The planning work is done under Buzz Financial Planning, and regulated advice comes from Equity & General.
What does it cost?
The Healthcheck and the projection tool are free. The Financial Plan is £1,500 as a single written document. Ongoing planning, which keeps the plan up to date as your circumstances change, is £49 a month and can be cancelled at any time.
How is this different from what my IFA does?
An IFA makes a personal recommendation on a product, which is regulated work that Buzz does not do. The Financial Plan works out whether you need a product and what to ask an adviser for. Some clients use both, with the plan first.
Do I have to be a Buzz Accounting client?
No. If Buzz Accounting already has the business figures, the plan uses them. For most owners the largest figure in the plan is what the business is eventually worth.
Can I see the assumptions?
Yes. Every assumption is printed in the document.
Accreditations & Partnerships
