How we help
Three moments that shape a lifetime. One plan that connects them.
Whether you’re preparing for retirement, thinking about the wealth you’ll leave behind, or building a business, the decisions you make today influence the life you’ll live tomorrow. We help bring those decisions together, so every part of your financial life works towards the same purpose.
Retirement Planning
Retirement isn't about stopping work. It's about the freedom to choose what comes next, whether that's travelling more, spending time with grandchildren or simply enjoying life without worrying whether the money will last. So we don't start with your pension. We start with your vision for the years ahead.
Once we understand what retirement looks like for you, we build the plan around it, bringing together your pensions, investments, property and business interests. Cashflow modelling then shows what your wealth can support and where changes may be needed, so you can enjoy life with confidence.
Other areas we consider
Financial planning rarely fits neatly into one category. Alongside your long-term plan, we’ll also help you consider the wider decisions that influence your financial wellbeing, including:
We don’t believe in recommending products for the sake of it. Every recommendation starts with your goals, ensuring the solutions we use are there to support your life. not define it.
Investment planning
Protection planning
Mortgages and equity release
Cashflow modelling
Tax planning
ISAs and General Investment Accounts
Workplace and personal pensions
Fees
Transparent fees. No Surprises.
01
Discover: From uncertainty to understanding
A relaxed, no-obligation conversation to understand your goals, where you are today and whether we’re the right fit for one another.
No fee
02
Forge: From ambition to a clear plan
This is where we do the deep thinking. We’ll understand your current position, model different scenarios, stress test your future and build a personalised financial plan around the life you want to live.
£3,000 to £5,000
03
Build: From ideas to action
If your plan involves pensions or investments or protection, we’ll source the right solutions and implement everything on your behalf. Only if needed.
£1,000
per product
04
Refine: From keeping up to staying ahead
Financial planning isn’t something you do once. As your life changes, we’ll review, adapt and refine your plan to ensure it continues supporting the life you want to live.
0.8%
per year - percentage of assets under advice, with a £3,000 annual minimum and a £12,000 annual maximum.
INCLUDED BY DEFAULT
What you’ll never pay for
Your first conversation and initial meeting
Calls between annual reviews that are part of the ongoing service
Any provider commission. We do not take it
Not sure which of these fits your situation?
That is exactly what the first conversation is for.
No fee, no obligation.
A chartered, independent financial planning firm. Helping people in and around retirement see what’s possible with what they’ve built.
Get in touch
hello@lifesmiths.co.uk
78 The Broadway, Debden, Loughton, Essex, IG10 3ST
Insights & newsletter
© lifesmiths 2026. lifesmiths LLP is registered in England and Wales, number OC303848. Registered office: 78 The Broadway, Debden, Loughton, Essex, IG10 3ST. Authorised and regulated by the Financial Conduct Authority, firm reference number 221278. General information only. Not personal financial advice. The value of investments can fall as well as rise.