Financial planning for the life you want

What you've got, what you want, and how to get from one to the other.

Built on
four values

Our Story

DIY investors lose around 1-2% a year through poorly timed decisions.

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Financial Excellence

From bookkeeping to strategic financial planning, we help you stay in control of your numbers and your growth.

Business

‍

Excellence Award

Discover More

Small businesses see higher profits after hiring Execor

See what your money can do

Cashflow planning turns "I hope it works out" into "here's how it works".

Built on
four values

Our Story

DIY investors lose around 1-2% a year through poorly timed decisions.

-2

our services

What we can help with

At Next Step Financial Planning, we help you work out what you've got, what you want, and how to get from one to the other. Most of it is simpler than the industry makes it sound.

Planning for retirement

Build a clear plan for the retirement you want.

Income in retirement

Turn your pensions and savings into a reliable income.

Investments

Invest with a strategy built around your goals.

Protection

Look after your family and income if life doesn't go to plan.

Tax & estate planning

Pass on more of what you've built.

For business owners

Protect your business, your people and your own future.

Workplace seminars

Financial education that gives your team confidence with money.

Workplace seminars

Financial education that gives your team confidence with money.

Planning for retirement

Build a clear plan for the retirement you want.

Income in retirement

Turn your pensions and savings into a reliable income.

Protection

Look after your family and income if life doesn't go to plan.

Investments

Invest with a strategy built around your goals.

Tax & estate planning

Pass on more of what you've built.

The Financial Conduct Authority does not regulate cash flow planning, tax or estate planning. The value of your investments can go down as well as up, so you could get back less than you invested.

WHO WE WORK WITH

Most people come to us at a turning point. Our job is to make the next step a confident one.

Greater confidence and resilience

Financial advice improves confidence, financial capability and resilience, particularly at retirement.

Most of what we do is simpler than the industry makes it sound. We're small by choice, which means we know our clients properly and only take on work we can do well. You'll probably recognise yourself here:

Black check mark inside a blue circle symbol.

Approaching or in retirement - and you want to know if you're on track to turn your pension into an income that lasts

Reviewing your tax position - whether that's reducing your income tax bill or sheltering as much of your estate as possible from inheritance tax

Investing, and protecting what you've got - you want your money working as hard as possible toward your goals, and your family's finances covered if the unexpected happens

Running a business - with personal and company finances tangled together

Our story

meet our Team

Trusted guidance for`‍` lasting financial growth.

We worked together for years before starting this firm, and we started it for a simple reason: we wanted to build the kind of financial planning firm we'd be happy to send our own families to.

Michael O'Neill

Director & Financial Planner

Lydia Taft

Director & Chartered Financial Planner

how it works

A clear path from first call to financial plan.

Smiling woman with long blonde hair sitting at a table and using a silver laptop in a modern office.

Smarter planning and withdrawal strategies can increase retirement income by 29%.

The same four steps for everyone, because they work.

Discovery Call

A free of charge, no-pressure chat. You tell us where you are and where you want to be, and we'll tell you honestly whether we can help.

Your plan

We build a picture of everything you have and map it against the life you want.

Our recommendations

Clear advice in plain English, with the reasoning behind it.

Ongoing reviews

Life changes, rules change, markets wobble. We keep your plan pointing the right way.

Send us a message

A conversation costs nothing and you'll leave it knowing more than you started with.

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