Buzz Money Coach
Your behaviour with money. Spending, saving and the habits that decide whether anything on the list actually gets done. Free tools, then coaching if you want someone in your corner. About Money Coach
Buzz Money
The bit between your accountant and an adviser
Your accountant knows what the business made. An adviser can sell you a pension. Almost nobody sits between the two and answers the question you actually lie awake with — whether the whole thing works, and what happens if it does not.
How it works
- Two free tools, no email needed
- A free Healthcheck off your own bank data
- Money Road Map — £399
- Financial Plan — £1,500
- Ongoing from £49 a month
- Regulated advice only from E&G (FCA 474163)
The gap nobody fills
Three separate jobs, and most people only meet two
- Your accountant
- Knows the business to the penny. Files the accounts, handles the tax, tells you what happened last year. Almost never asked, and rarely placed, to say whether you are going to be alright.
- A regulated adviser
- Can give you a personal recommendation on a product, and legally they are the only ones who can. But that answers a question you have to arrive already knowing.
- Buzz Money, in between
- Works out whether the money lasts, what breaks it, and which decisions move the answer. Then you know what to ask for, and whether you need to buy anything at all.
- Why the order matters
- Most people buy a product before they have a plan. That is backwards, and it is why so many end up with four small pensions, a policy nobody can explain, and no idea whether it adds up to enough.
How it is split
Two brands and one regulated partner
One front door, and everything behind it already has a home.
Buzz Financial Planning
Whether the money works. A projection of every year to 100 with the tax done properly, what breaks it, and which decisions actually move the answer. About Financial Planning
Equity & General
Products. If a decision needs a personal regulated recommendation — this pension, that fund, this protection policy — E&G give it. They are FCA authorised. We are not, and we do not pretend to be.
How it works
Start free, pay only when you know what you need
- 1Start free, and find out where you stand
Two tools, neither of which needs an email to show you the answer. The Financial Freedom Score measures how your money is set up — eight areas, twenty-two questions, about seven minutes. What's your money type measures how you think about it, in two. They pair into one picture.
- 2Connect the bank, read-only
The Financial Healthcheck sorts the last few months out for you: what you actually spend, not what you remember. About two minutes, no card, and the connection cannot move money. The optional 45-minute session on the back of it is £39, and it is waived for Buzz Accounting clients.
- 3Pick the question you actually have
If the problem is habits and spending, that is a Money Road Map at £399: twelve months written down, four sets of ninety-day goals with a date on every action, and the session to work through it. If the question is whether the money lasts, that is the Financial Plan at £1,500.
- 4Keep it true as life moves
Ongoing coaching is £69 a month, or pay as you go from £39. Ongoing planning — the projection re-run, a review session, the plan kept current in writing — is £49 a month. Cancel either any time.
- 5And if a decision needs regulated advice
Not a stop on the ladder, a moment that can happen at any point. We say so, the introduction to E&G is offered, and your coach or planner stays involved before, during and after.
Business and personal
Why they cannot be looked at separately
A business owner's money is one thing, not two. What you take out of the company decides your personal tax; your personal tax decides whether salary or dividend or an employer pension contribution is the right way to take it; and what the business is eventually worth is usually the largest number in the whole plan.
Because the accounting, the coaching and the planning sit in the same group, the figures move between them without you assembling them. Nobody is handed to a stranger, and nobody asks you the same question twice.
Regulatory position
Said plainly, because it matters
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.
Financial coaching and financial planning are not regulated activities and neither is regulated financial advice. Nobody at Buzz will tell you which pension or which fund to choose. What we will do is work out whether you need one at all.
Questions
What people ask about the money side
Is Buzz FCA authorised?
No. Buzz Accounting and Buzz Money are not authorised by the Financial Conduct Authority and do not give regulated financial advice. Equity & General Financial Services Limited (FCA No. 474163) is the authorised firm we introduce clients to.
What is the difference between Money Coach and Financial Planning?
Money Coach is about your behaviour with money — spending, saving, habits, and whether the thing you said you would do actually happens. Financial Planning is about whether the money works: a full projection with the tax done properly, stress-tested. Different questions, same firm, and the free Healthcheck is the front door to both.
What does it cost?
The tools and the Healthcheck are free. A Money Road Map is £399, ongoing coaching £69 a month or pay as you go from £39. The Financial Plan is £1,500 and ongoing planning £49 a month. Every price is shown up front and there is no subscription you did not ask for.
Do I have to be a Buzz Accounting client?
No. Plenty of people use the money side and have their accounts done elsewhere. If we do both, the figures move between them without you assembling them, and the £39 Healthcheck session is waived.
Will someone try to sell me a pension?
Not by us — we are not authorised to, and that is the point. Where a decision genuinely needs a regulated recommendation we say so and offer an introduction to E&G. It is optional, and if you become their client they pay Buzz a commission, which you are told about before the introduction.
Can you help if I just want to get on top of my spending?
Yes, and that is the most common starting point. Start with the free Financial Freedom Score and the money type quiz — a lot of people never need anything beyond the free parts, and that is a perfectly good outcome.
Accreditations & Partnerships
