Answers in years, not percentages
Not “a 12% reduction in terminal wealth”. If four years of care costs you eleven years of money, the plan says eleven years, because years mean something and percentages do not.
Buzz Financial Planning
Will your money actually last?
A lifetime projection with the UK tax done properly, stress-tested, written down and yours to keep. The question your accountant is not asked and a product salesman cannot answer.
What you get
- Every year to 100, with the tax done properly
- What breaks it, priced in years not percentages
- Stress tests: markets, care, longevity
- Every assumption printed and arguable
- The ninety days that follow
- Kept true for £49 a month, if you want it
What you get
One document, and what is in it
Stress-tested, not a straight line
Markets falling early in retirement, one of you living to 97, care costs, a business sale that does not happen. The plan prices each one separately so you can see which risks actually matter to you.
Every assumption printed
Inflation, growth, charges, the tax treatment used. If you disagree with one, you can see it and say so, which is not true of most projections you will be shown.
How it works
And what it costs
- 1The Healthcheck, free
Connect your bank read-only and the last few months sort themselves out — what you really spend, not what you remember. About two minutes, no card, and the connection cannot move money.
- 2The destination, free
What you want the money to do, turned into goals that can actually be modelled: a number and a date on each, because “retire comfortably” cannot be measured.
- 3The Financial Plan, £1,500
One written document. Every year to 100 with the UK tax done properly, what breaks it priced in years rather than percentages, and the ninety days that follow. Yours to keep and to argue with — every assumption is printed.
- 4Ongoing planning, £49 a month
Life moves and the answer moves with it. The projection re-run, a review session, the plan kept true in writing, and someone to ask when something changes. Cancel any time.
Where it sits
Alongside the rest of the group
Buzz Accounting has the business's numbers, which is where most planning clients already are. Buzz Money Coach is the other door, for when the real issue is spending and habits rather than whether the sums work. Your plan works out the inheritance tax on what you leave behind, and acting on that means a will and often powers of attorney, which is Buzz Legal.
It is one group and one set of figures, so nothing has to be assembled twice and nobody gets handed to a stranger.
Regulatory position
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, not after. The FCA does not regulate tax, trusts, will writing or some forms of estate planning.
Questions
What people ask about financial planning
Is this financial advice?
No. Financial planning is not a regulated activity and nobody here will tell you which pension or which fund to choose. The plan works out whether your money lasts and what moves 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. This page used to describe the former as though it were the latter, which it never was.
What does it cost?
The Healthcheck and the projection tool are free and need no card. The Financial Plan is £1,500 as a single written document. Ongoing planning, which keeps it true as life changes, is £49 a month and can be cancelled any time.
How is this different from what my IFA does?
An adviser makes a personal recommendation on a product, which is regulated work and which we cannot and do not do. This works out whether you need one at all, and what to ask for if you do. Plenty of clients do both, in that order.
Do I have to be a Buzz Accounting client?
No. It helps if we already have the business figures, because the largest number in most owners' plans is what the business is eventually worth, but it is not a condition.
Can I see the assumptions?
Yes, all of them, printed in the document. A projection whose assumptions you cannot inspect is a sales aid rather than a plan.
Accreditations & Partnerships
