Financial coaching that brings together technical expertise and the psychological understanding most people never get from a financial professional.
For high earners who want to turn a great income into wealth that builds.
Three months of one-to-one coaching with a done-for-you Financial MOT built in. It's the starting point for all 1:1 work with me.
Before we start, I go through twelve months of your statements, map everything you own and owe, and build your Personal Financial Dashboard. Then, across six sessions, we work on the numbers and the behaviour behind them: your money story, what actually matters to you, a payday system that moves money where it should go, and a clear plan for bonuses, pension contributions and investing.
Two sessions a month, plus WhatsApp support throughout, including my Friday weekly-win check-in, so you're never doing this alone between sessions. For some people, 90 days is all they need. Others choose to keep working with me for the long term.
This isn't a quick fix or a course. It's three months of proper one-to-one work on the practical and the psychological at once, so the changes actually stick.
The First 90 Days
£3,600
or £1,200 a month for three months · prices include VAT
"With Philly's support and guidance, I have made huge progress to establish a strong financial foundation that gives me peace of mind for my future. She is the perfect blend of being a financial whizz with a sharp mind and a warm heart."
Company Director
For couples who want to get on the same page about money, with the full picture in front of them.
It starts with a Financial MOT for you both. I go through each of your statements, map what you each own and owe, and bring it all together into one clear picture of your finances as a couple.
Then we work through it over six sessions: first individually, two sessions each, so you both arrive knowing where you stand. Then together, two joint sessions to decide what your money is for and how you'll get there as a team.
Chambers can tell you what you've billed and what you're owed. This is how you find out what you can spend and save.
A 3-month high-touch partnership combining a Done-For-You Financial MOT with targeted coaching, to turn irregular income into a monthly income you can rely on and wealth that builds.
See how I work with barristers →"I cannot recommend Philly enough! Philly's supportive expertise and guidance has enabled me to feel more confident in managing my money effectively and the knowledge and practical skills that I have learnt have transformed my relationship with my finances."
Property Professional
If you want advice on specific pensions, investments or tax, you need a regulated financial adviser. If you want support with how you approach, organise and make decisions about your money, a financial coach is the right fit. I don't recommend products and I don't take commission. I charge for my time, not a percentage of your assets.
I've worked in wealth management since 2011. I'm a Chartered Wealth Manager and maintain my Chartered Fellow status with the CISI through ongoing professional development. I'm also a Certified Financial Coach and Silent Counsellor practitioner.
Book a free discovery call. We'll talk through where you are and where you want to be, and work out whether The First 90 Days or Couples Financial Coaching is the right fit.
Most of the people I work with are busy, and there's rarely a perfect moment to start. What I hear again and again is that getting going is a weight off their mind in itself.
I do the heavy lifting: you send me your statements, and I do the analysis and build your dashboard before we meet. Your part is six sessions over three months and a quick WhatsApp when something comes up. It's a small amount of time for something that's been sitting at the back of your mind for a long time.
For some people, 90 days is all they need. Others choose to keep working with me for the long term. We'll talk about what makes sense for you towards the end, and there's nothing to decide up front.
All sessions are held via Zoom, making it easy to fit around your schedule wherever you're based.
Philly Ponniah is a financial coach. Coaching is not regulated financial advice, and I don't recommend specific products or providers. For regulated advice on pensions, investments or tax, please speak to an FCA-authorised financial adviser.
Book a free discovery call, or tell me a bit about yourself below and I'll be in touch.
Book a Discovery Call →