Live the life you want
without the fear of running out of money

Clear, calm financial planning that gives you confidence about the future.
Based in Cornwall, trusted by clients across the UK

We help you make sense of your money, so you can focus on the things that really matter.

The BetterLife way

  • Understand you

    We start by taking the time to understand you - where you are now, how you got here, what matters most, and what you want your life to look like. Life’s not a rehearsal. So we focus on what you want to do with the time you have.

  • Create your plan

    Once we understand your life, we build the financial plan to support it. We’ll show you what’s possible, when you can afford to stop working, and how to structure your pensions, savings and investments so you can live with confidence.

  • Ongoing Advice

    Life doesn’t stand still, and neither should your plan. As your circumstances change - retirement, business sale, inheritance, family milestones, we’ll adjust your plan with you. You’ll always know where you stand, and that you’re still on track.

What we do

  • Financial Planning

    Helping you get clear on where you’re heading, and how to get there. We’ll look at your full financial picture, so you can plan with purpose.

  • Retirement Planning

    Retire on your terms, not someone else’s. We’ll help you work out what’s enough and when you can slow down or stop altogether.

  • Invest with confidence

    Investing doesn’t have to be confusing.
    We’ll explain what it all means, how much risk makes sense, and what’s worth doing.

  • Protect your legacy

    Make sure your money ends up in the right hands, at the right time.
    We’ll help you protect what matters and pass things on simply.

Find out more about what we do

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen

The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested.

We answer the one big question:
”Are we going to be ok?”

Who we work best with

Core Principles

  • Clarity First

    We believe financial planning should be clear, calm and free from waffle. No jargon, no hard sell, just straight-talking advice that gives you real confidence in where you’re heading.

  • Life Before Numbers

    Money is just a tool. We help you make decisions based on what actually matters - your time, energy, freedom, and future. Planning starts with your life, not a spreadsheet.

  • People, Not Products

    You don’t need more stuff. You need someone in your corner. We build long-term relationships, working with a select number of clients so we can give you our best.

  • Do It Properly

    We don’t cut corners. Whether it’s tax, pensions or your plan for the future, we take care of the detail so you can focus on living life, with no second-guessing.

The Learning Hub
A Legal Way to Go Over the ISA Limit: The Overlooked APS Rule
A Legal Way to Go Over the ISA Limit: The Overlooked APS Rule

Most people think the ISA limit is fixed at £20,000 a year. Few realise there’s a rule that, in the right circumstances, can boost that allowance by tens of thousands. It’s called the APS allowance, and hardly anyone uses it.

The £12,000 Pension Tax Relief Mistake That’s More Common Than You Think
The £12,000 Pension Tax Relief Mistake That’s More Common Than You Think

One client was losing £100 a month in tax relief for over a decade, more than £12,000 - because her workplace pension used Relief at Source, and no one told her she had to reclaim the higher-rate relief. Most people assume payroll handles it, but knowing your scheme’s setup could save you thousands.

The Talk I Wish Someone Had With Me
The Talk I Wish Someone Had With Me

If you're a business owner taking dividends from leftover profit, you might be losing over 50% to tax. I used to do the same, until I learned how pensions can protect your profit and fund your future. Now I help others do the same: business owners who’ve worked hard, taken risks, and want to stop overpaying HMRC and start paying their future self.

Latest Posts

Ready to find out if you’re going to be ok?

Book a call with me today

☎ 01326 33 33 55

✉ toby@betterlifefp.co.uk

Or fill out our contact form