Coach, planner or adviser
Only a regulated adviser can recommend a specific pension, investment, mortgage or policy.
| Money coach | Financial planner | Regulated adviser | |
|---|---|---|---|
| Question it answers | Where does my money go, and how do I stick to a plan? | Does my money last, and what changes that? | Which product should I use? |
| What you get | Your spending in four numbers, a road map, monthly accountability | A projection to age 100 with tax applied, each risk in years | A personal recommendation on a pension, investment, mortgage or policy |
| Regulated by the FCA | No | No | Yes |
| Cost at Buzz | £39 a session, £399 Road Map, £69 a month | £1,500 plan, £49 a month ongoing | Quoted by the adviser |
| Where | Money coaching | Financial Plan | Buzz Financial Services ↗ |
Coaching and planning
A coach shows you where your money goes, turns goals into figures with dates, and holds you to the actions you agree. A planner models your whole life with tax applied and shows what each decision does to the age your money runs out.
Both describe your position and set out the decisions. Neither recommends a specific pension, fund, mortgage, policy or debt solution.
Regulated advice
When the question becomes which pension, which fund or how much cover, that is regulated advice. Buzz Accounting Ltd is not authorised to give it. We say so, and can introduce you to Buzz Financial Services, a separate firm whose advice is given through Equity & General Financial Services Limited (FCA 474163).
Your figures go with you only if you agree. If you become its client it pays Buzz a commission, and we tell you before the introduction. You can take your plan to any adviser you choose.
Not sure which you need?
Tell us what you are trying to answer and we will say which fits.