Independent Financial Planning for UK Residents & Expats
Money Honey Financial Planning is an independent, London-based Corporate Chartered advisory firm. Through our modern 100% remote digital model, we eliminate expensive office overheads to deliver unbiased financial advice, £40 guidance sessions, low-cost passive investing, and holistic retirement planning with substantial client savings.
“Neither a borrower nor a lender be? Save money now, so money can save you later.”
Your financial life is a constant balance between what you earn versus what you spend. We help you build a resilient nest egg, combat inflation, minimize unnecessary taxes, and protect your loved ones through every life stage.
Why Clients Choose Money Honey
FCA Regulated Firm 772350- Corporate Chartered Status (CII): The industry gold standard for ethical expertise.
- Pension Transfer Gold Standard: Accredited by the Personal Finance Society.
- 100% Digital & Paperless: No physical office overheads means lower client fees.
- Flexible Tiers: From £40 guidance to full unbundled regulated planning.
The Four Financial Pillars of Your Life
As your life progresses, the balance between earning, saving, and distributing wealth naturally shifts. We structure your financial plan across four essential stages.
Building Assets & Raising Your Standard of Living
Everyone aspires to raise their standard of living, building assets and wealth for themselves and their family. As a rule of thumb, everyone should aim to save at least 10% of their earnings toward their future.
- 1 Short-Term Needs: Emergency rainy-day cash reserves (3-6 months' expenditure) protecting against unexpected expenses.
- 2 Medium-Term Milestones: Tax-efficient ISA investments for major life purchases, home moves, and children's education.
- 3 Long-Term Retirement: Tax-relieved pension contributions compounding in diversified global index trackers.
The 10% Savings Rule
Automating 10% of gross earnings into low-cost, diversified funds harnesses compound returns while avoiding the drag of inflation and high administrative fees.
Transitioning from Earning to Sustainable Retirement Income
As you get older, you may decide to work less or retire completely. When active earnings drop, your accumulated investments and assets must fund an income to sustain your desired lifestyle.
- 1 30 to 40 Year Longevity: Modern retirements last several decades; portfolios must be managed to combat sequencing risk and late-career market downturns.
- 2 Sustainable Drawdown: Dynamic withdrawal strategies balancing tax brackets across State Pension, private pensions, ISAs, and cash buffers.
- 3 Long-Term Care Planning: Factoring in potential later-life care needs and funding structures so family wealth isn't depleted.
Later Life Longevity
Overcoming the psychological hesitation to withdraw capital and managing cashflow modeling ensures you enjoy your retirement years without fear of running out of money.
Mitigating Inheritance Tax (IHT) & Intergenerational Transfer
When your finances are secure, attention shifts to distributing excess wealth during lifetime or upon death. Without proactive planning, estates exceeding nil-rate allowances face 40% UK Inheritance Tax.
- 1 Statutory Allowances: Maximizing the £325,000 Nil-Rate Band, £175,000 Residence Nil-Rate Band, and £3,000 annual gifting exemption.
- 2 Gifting from Surplus Income: Section 21 of the IHT Act allows regular gifts from surplus income without 7-year survival restrictions.
- 3 Living Legacies: Providing financial assistance to children or grandchildren when they need it most (home deposits, education).
Inheritance Tax Thresholds
A married couple can pass up to £1,000,000 free of IHT with proper structuring. Excess assets are taxed at 40% unless protected by exemptions or trusts.
Safeguarding Earning Capacity, Family & Future Independence
Throughout every stage, there is an imperative to protect what you have and safeguard your earning power. Until you have accumulated sufficient wealth to self-insure, structured protection bridges the gap.
- 1 Income Protection: Replacing monthly earnings if illness or injury prevents you from working, until retirement age.
- 2 Family Income Benefit & Life Cover: Cost-effective regular income or lump sums to safeguard young families.
- 3 Wills & Lasting Powers of Attorney (LPA): Essential legal safeguards against unexpected death or mental incapacity.
98% Payout Track Record
Official ABI statistics confirm 98% of UK protection claims are paid. Having policies correctly written into trust prevents delay and avoids IHT inclusion.
Accumulate Wealth While We Keep Fees Low
We are one of the few Chartered firms offering a modular range of services: Guidance, Self-Service, Full Regulated Advice, and Tech Top-Ups. Choose exactly what fits your knowledge, budget, and life stage.
Guidance
For clients who have read around their options and want an expert sounding board to clarify direction without paying for formal advice.
- Ask the Money Honey anything you wish
- Impartial, clear discussion of your options
- 100% Reimbursed if taking Full Advice
- No regulatory overhead or lengthy paperwork
Self-Service
Low-cost digital investing for clients beginning their accumulation journey who want professionally managed index funds.
- Stocks & Shares ISA and GIA accounts
- Low-cost passive global index trackers
- Managed professionally whatever size you grow to
- 24/7 Personal Financial Portal (PFP) access
Full Advice
Comprehensive Chartered financial planning with unbundled, modular fees. Only pay for the specific phases you require.
- Full FCA regulatory protection & ombudsman access
- Situation analysis & cashflow shortfall modeling
- Formal suitability report & implementation
- Optional ongoing wealth management & annual reviews
Tech Top-Up
Personalized coaching to ensure you are 100% confident with video conferencing and your secure Personal Financial Portal.
- Complimentary 20-min initial setup call
- Microsoft Teams video setup guidance
- PFP portal navigation & document uploading
- Patient, friendly support tailored to your pace
| Service Tier | Pricing Model | Delivery Format | Regulatory Protections | Best Suited For |
|---|---|---|---|---|
| Guidance | £40 fixed (reimbursed on full advice) | 20-min Video Consultation | Non-regulated guidance only | Self-directed savers wanting clarity on options |
| Self-Service | From £100/mo (low fund OCF) | Online Platform & PFP Portal | Restricted ISA & GIA service | Early accumulators wanting passive market growth |
| Full Advice | Modular unbundled schedule | Holistic Video Planning + Report | Full FCA & FOS regulatory cover | Retirees, expats, complex pensions & IHT |
| Tech Top-Up | 1st Free; then £25 / 20 mins | 1-on-1 Remote Coaching | Technical assistance service | Anyone wanting extra help with Teams & PFP |
About Money Honey Financial Planning
We specialize in helping you navigate the transition from full-time work to retirement, securing sustainable income, and transferring generational wealth in the most tax-efficient manner possible.
Money Honey is intentionally different. We operate a completely digital experience utilizing secure video-conferencing, encrypted digital document signing, and your Personal Financial Portal. By cutting out expensive physical offices and printed brochures that end up discarded, we pass these massive operational savings directly back to you.
Don't worry; you'll see us, speak with us, and get to know us just as if we were sitting in the same room. Our ethos is centered on ethics, professionalism, keeping our promises, and empowering you to reach financial peace of mind.
The Digital-First Advantage
How eliminating traditional physical branch overheads translates into direct client value:
- × Expensive city center leases
- × Costly paper brochures & postage
- × Client travel & commuting time
- × Higher percentage AUM fees
- ✓ 100% remote paperless operations
- ✓ Lower transparent fee structure
- ✓ Zero travel emissions (Green ESG)
- ✓ Direct video calls & 24/7 Portal
Our Accreditations & Professional Standards
We hold ourselves to the most rigorous standards of knowledge, capability, and consumer protection in the UK financial services industry.
Corporate Chartered
CII Gold Standard
Pension Gold Standard
PFS Ethical Best Practice
Vulnerability Charter
Dedicated Consumer Care
VouchedFor Top Rated
4.8 / 5.0 (118+ Reviews)
Best Use of Technology
Adviser Award Winner
SOLLA Accredited
Later Life Planning
The People Behind Money Honey
Personal, chartered financial advice delivered by qualified professionals who care deeply about your future.
Jane Hodges
Lead Chartered Financial Planner & DirectorJane is a Fellow of the Personal Finance Society—the highest qualification in the profession. With over two decades of advisory experience, she specializes in decumulation strategies, pension transfers, later-life care funding, and tax-efficient estate planning for UK and expatriate families.
Rod Reed
Advisory Operations & Client Consultation LeadRod manages client engagement, technical onboarding, and booking logistics. He ensures every client feels completely comfortable using our video conferencing and encrypted Personal Financial Portal, providing dedicated Tech Top-Up coaching whenever needed.
Verified Reviews from Real Clients
Rated 4.8 out of 5 stars based on 118 verified independent client reviews on VouchedFor.
“Jane made our complex pension choices clear and manageable. Transitioning into retirement seemed overwhelming until we had our roadmap created. Her remote meetings worked seamlessly!”
“The £40 guidance session was the best value money I've ever spent. No pushy sales pitch, just honest, objective evaluation of my ISA and pension strategy. Later upgraded to full advice.”
“As a British expat living in Dubai, finding an FCA-regulated Chartered adviser who understands cross-border pension rules was critical. Money Honey delivered outstanding clarity.”
Frequently Asked Questions
Everything you need to know about our fees, FCA regulation, remote appointments, and services.
Guidance (£40 for 20 mins) provides impartial, non-regulated information to help you understand your financial options without making a specific product recommendation. If you subsequently instruct us for Full Advice, we refund your £40 guidance fee. Full Regulated Advice delivers a legally protected, personalized recommendation based on your individual risk profile, including comprehensive suitability reports and full Financial Ombudsman Service protection.
All consultations take place via secure video conference (using Microsoft Teams). You can see and speak with your Chartered Financial Planner face-to-face. Documents are signed digitally via encrypted portals, and you have 24/7 access to your valuations through your Personal Financial Portal (PFP). We also offer complimentary Tech Top-Up sessions to help set up your equipment.
Yes. We specialize in cross-border financial planning for British expats worldwide. Whether managing frozen UK pensions, planning eventual repatriation, or organizing tax-efficient offshore wrappers, our video-first model makes international advice seamless.
Unlike traditional firms that bundle all charges into high percentage fees, Money Honey unbundles the process into clear modular stages: 1) Initial Analysis & Shortfall Calculation, 2) Personal Recommendation Report, 3) Implementation, and 4) Ongoing Review. You only pay for the exact stages you use. Full details are available in our transparent fee schedule.
The Pension Transfer Gold Standard is a voluntary code of conduct established by the Personal Finance Society. It certifies that a financial planning firm adheres to 9 ethical principles, ensuring that advice on safeguarded Defined Benefit (Final Salary) pensions rigorously considers whether staying in the scheme best serves your core retirement security before any transfer is considered.
Ready to Discuss Your Financial Future?
Book a complimentary 30-minute discovery video call or reach out directly to our London advisory team.
Free Initial Consultation (30 mins)
A relaxed video chat to get to know each other, understand your circumstances, and determine if and how we can assist you.
No obligation • Microsoft Teams • Conducted by a Chartered Planner
Registered London Office
20-22 Wenlock Road
London, N1 7GU
United Kingdom