Your money. Your life. One clear plan.

Coaching is not regulated financial advice, and the difference is the whole basis of what we do. What a coach does is show you where your money actually goes, turn vague goals into figures with dates on them, and hold you to the actions you agreed. What coaching never includes is a personal recommendation about a regulated product — no pension, fund, mortgage, protection policy or debt solution. If your question is "which pension" or "should I transfer this", that is regulated advice: we stop, say so, and can introduce you to Equity & General, who are authorised to give it. Your fact-find goes with you, so nobody charges you twice to gather the same information.

Every price is on this page, and none of it is quoted after a discovery call. The Financial Freedom Score is free — 22 questions, about seven minutes. The Financial Healthcheck is free too; the optional 45-minute session with a money coach to work through it is £39, and we waive that for Buzz Accounting clients. The Financial Roadmap is £299 one-off, whether or not you are a Buzz Accounting client. The Life Plan, which is the lifetime cashflow modelling, is £750. Ongoing coaching is £39 or £69 a month depending on how much time and support you want, with no minimum term. You can stop anywhere on that list — plenty of people take the free score, do the one thing it suggests and never pay us anything.

A 45-minute session with a coach after your free Healthcheck, and your real bank data sorted before it. You connect your accounts read-only, which takes about two minutes, and several months of transactions are categorised into four numbers: committed, living, lifestyle and saving. A coach goes through that categorisation by hand before you see it, because automatic sorting always gets a few things wrong. In the session we work through those four numbers and agree one action with a date on it, not a list of twelve. You leave with your figures written down. It is deliberately a small piece of work — two minutes to connect, a few days to prepare and book, 45 minutes to talk.

Coaching fees are what you pay us, and there is one thing to be straight about. If we introduce you to Equity & General and you become their client, E&G pay Buzz a commission. You are told that before the introduction, never after, and the introduction is always optional — you are free to take the same information to any adviser you choose. It is worth saying why we raise it unprompted. A business paid by providers has an incentive to find you a product; ours is to be useful enough that you come back or tell someone. Sometimes useful means telling you to spend nothing at all: if the answer is a standing order you can set up tonight, that is what you will be told.

Probably not, and you should not wait for us. If you are missing payments, using credit to cover food or bills, or hearing from creditors, free specialist debt help is faster and better than anything we sell. StepChange and National Debtline are free, independent and specialist: they negotiate with creditors and arrange formal debt solutions, none of which we do or are permitted to advise on. Go to them first. Coaching earns its place afterwards, when the immediate pressure is off and the question becomes how to stop it happening again — or when you can pay everything but genuinely cannot see where the money goes. We would rather send you somewhere better than take £39 for the wrong service.

Yes, and the connection can only ever read. You sign in on your own bank's website, so your login details never touch us, and the access granted is read-only — nobody at Buzz can move money, set up a payment or change anything in your account. Only your coach sees the transactions, so they can prepare for your session. Disconnect in one click and the transaction data goes with it, and you can also revoke it from your bank's own app. The link runs through an FCA-authorised open banking provider; coaching data is stored in Supabase, encrypted in transit and at rest, processed in the EU. We do not sell data and run no advertising trackers. Detail is in the privacy notice.

Andy Jackson and Peter Allen, who founded Buzz. Peter is Finance Director, licensed by the AAT, and has spent more than twenty years in finance — budgeting, cashflow and the practical side of the numbers. Andy is Operations Director, built Buzz Accounting, and reads every Financial Freedom Score result personally rather than leaving it to an autoresponder. Neither is a regulated financial adviser and neither pretends to be, which is exactly why product decisions go to an authorised firm such as Equity & General instead. Between them they have spent most of their working lives looking at other people's finances, which mostly means very little you show them will be a surprise. More about us.

That is the normal starting position, not the exception. Nobody arrives with tidy paperwork — a Roadmap fact-find routinely starts with two untraced pensions, a direct debit going somewhere nobody can identify and a rough guess at the mortgage rate. Working out what is missing is part of the job, not a condition of starting. There is no judgement in the lifestyle number either; it is simply where habits show up. If you would rather not talk to anyone yet, start with the Financial Freedom Score: it is free, entirely self-rated, and nothing is pulled from your bank, checked against a database or added to your credit file.