The First 90 Days
A three-month high-touch partnership combining a done-for-you Financial MOT with targeted coaching, to turn high earnings into wealth that builds.
I'm Philly. I've worked in wealth management since 2011, managing multi-million-pound portfolios. Today I focus on the numbers alongside the behaviour, because addressing both together is what actually creates long-term wealth.
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You earn more than you ever thought you would
Perhaps more than your parents ever have. And yet:
- "I earn a lot of money and I don't put it to good use at all."
- "I have the most financial potential I've had in my whole career and I'm just not making the most of it."
- "I get to the end of the month with a few hundred pounds left and think, how has that happened?"
These are all things clients have said to me on our first call. If you could have said them too, then this is what you need.
You're a high achiever. You've built a career, a reputation, maybe a team, but nobody takes you aside to tell you what to do as you earn more, and the people you'd normally ask for help don't have the same problem.
So the money comes in and goes straight back out, leaving you with less to show for it than someone on half your income. Or it sits in cash, doing nothing. Perhaps you grew up without money and struggle to risk it, or you're just too busy to sort out where it should go. For many it's a mix of both: you hold on tight to what you can, then spend more in one afternoon than you put away all month, because you work hard and you've earned it.
Either way, you avoid looking at the account, and it's one area of your life where you don't feel like you're achieving. The good thing is that it's fixable.
The missing piece
Most people assume earning more will solve everything. It doesn't, unless you make some intentional changes, and traditional wealth management isn't built for where you are right now.
Wealth managers need capital that's already built
They charge a percentage of the assets they look after, and the cost of managing a portfolio properly means they need a meaningful sum to start with. I was one for years, so this isn't a criticism, but it does leave a gap: while you're earning well and haven't yet built the capital to match, there's nobody whose job it is to guide you.
Advice alone doesn't change habits
An accountant or planner can tell you what to do, but money is more than numbers on a page or a report in a drawer. Without addressing the behaviour behind your choices, even the best advice gets ignored when life gets busy. You don't need another budget; you need the right structure to move money automatically, and the habits to keep it there.
And nobody asks why
Why money conversations with your partner feel tense, why you'll spend without thinking on small luxuries but freeze on the bigger decisions that actually build wealth, and why you can earn a great income and still not feel secure.
You need both: complete clarity on what you do with your money, and an understanding of why you do it. Sort the numbers without fixing the habits, and the plan gets abandoned the first busy month. Build both together, and everything changes.
One client was cleaning her own house late at night despite a demanding senior job and high cash balances in the bank, simply because she didn't think she "should" hire help. Once we got clear on her values and priorities, decision-making became easy: she gave herself permission to pay for help, reclaimed her time, and 18 months after we worked together had £300k actively invested.
I don't sell investment products or recommend individual stocks, but I teach you how investing works and help you build the foundation to do it properly. We get your habits, cash flow and strategy sorted so you feel completely confident taking those next investment steps.
What the three months look like
Six sessions across three months. These threads run alongside each other rather than one after the other, so in a single session we might go from where a pattern came from, to how it's showing up in your spending this month, to what we're doing about it.
Month 1: Where you actually are
Call 01: Your money story · Call 02: Your Financial MOT
You'll know where your money goes, because I'll have been through twelve months of your statements before we start. You'll see everything you own and owe clearly in one place, perhaps for the first time. You'll have your own Financial Dashboard, so "can I afford this?" becomes something you can answer yourself in five minutes.
At the same time, we unpack why you do what you do with money. By understanding the inherited patterns driving your decisions, you can catch them before they take over. This is an open, safe space, and we strip away all the "shoulds".
Month 2: What matters, and the system to get there
Call 03: Values, vision and priorities · Call 04: Your cashflow set-up
Most clients arrive with a high income and a nagging feeling they should be doing "more" with it. You work hard and want to enjoy your money, but feel frustrated when there's surprisingly little left to show for it. This month, we define what actually matters to you, so your spending aligns with your real goals.
Then we build the engine. On payday, you'll know exactly what moves where: this much to the ISA, this much to a specific goal, a set percentage for tax if you're self-employed, and a dedicated spending amount that is yours to enjoy without checking your balance or feeling guilty. It isn't particularly complicated, it's just that nobody has ever sat down to build this system with you.
I don't do restriction. If you're a spender, we work out what's yours to enjoy guilt-free. If you're a saver who can't let go, we work out what's safe so you can start spending on what brings you joy. Either way, there's freedom in the plan, because a plan with no joy in it doesn't last.
Month 3: Putting the money to work
Call 05: Your wealth strategy · Call 06: The road ahead
This is where the system goes to work. We build a clear strategy tailored to how your income actually lands:
- Variable income: you'll know exactly what to pay yourself each month, so a quiet quarter stops being frightening.
- Bonuses and equity: you'll decide what every lump sum is for before it lands, so it builds your wealth rather than disappearing into everyday living.
- Pensions and investments: you'll get complete clarity on what you currently have, what it's costing you, and whether it's actually working for you, so you know exactly what to focus on next.
You walk away from Month 3 with total clarity on your immediate priorities, a repeatable system for every payday, and complete confidence in your next moves.
How we work together
You start knowing where every pound is
Before we begin, I go through twelve months of bank and credit card statements, map everything you own and owe, and build your Personal Financial Dashboard.
Deep progress on both the numbers and the habits
Six 1:1 sessions across the 90 days, two 60-minute calls a month, to address both the practical set-up and the behaviour behind it.
Never stuck waiting for the next call
WhatsApp support between sessions for real-time decisions, quick sanity checks, and my Friday check-in on the week's wins.
You keep the whole system
Your Personal Financial Dashboard, a written plan with your exact numbers, what goes where when money comes in, and rules around larger sums.
The investment
Three months is a complete piece of work. You finish with your dashboard, your accounts set up and running, and a written plan for your money.
in full, or £1,200 a month for three months · includes VAT
Book a Discovery Call →For some people, 90 days is all they need. Others choose to keep working with me through Momentum, an ongoing partnership to keep your plan current as your life and income evolve. We'll talk about it in our final session, so there's nothing to decide now.
What clients say
Working with Philly has completely shifted my relationship with money. I've moved from a scarcity mindset and spending I couldn't quite explain, to catching patterns before they happen and making conscious, considered decisions. She combines genuine financial expertise with a really thoughtful understanding of the mindset piece. I'd recommend her wholeheartedly.Barrister, London
For the first time in years, I have a plan I actually believe in. I used to hide the true cost of things behind manageable monthly payments, and I couldn't see how much it was holding me back. Being helped to understand my real situation, and then being given clear, no-nonsense steps to work through, changed how I make every decision. I was intentional with my bonus instead of watching it vanish, and I'm now on solid ground with a debt repayment strategy that's moving me in the right direction. Ultimately I want to build wealth, and I now understand I had to get here first. It's a longer-term commitment, but for the first time it feels completely doable.Lawyer, London
Money has always felt a bit out of my control, no matter how well I was doing. What I really wanted was to feel secure with it. This work has given me so many insights into how I am with money, and a much calmer, steadier relationship with it. It's an ongoing journey, not a quick fix, but I'm so glad I started, and I'm really enjoying working with Philly. Her genuine care and expertise are something special.Financial Professional, London
Ready to start being intentional with your money?
A confidential 30-minute call to talk through where you are, where you want to get to, and whether this is the right next step for you.
So you can stop getting to the end of the month wondering where it all went, and walk away with both the practical numbers and the self-understanding to build wealth with complete confidence.
Book a Discovery Call →A note on how we work: this isn't regulated financial advice, and I don't sell investment products. Having managed multi-million-pound portfolios in wealth management since 2011, I now focus on helping people build the habits and systems needed to actually grow wealth. Everything here is educational and coaching-based. My goal is to give you the insight and tools to feel confident with your money, with me in your corner for as long as you want me there.