Welcome to Options Financial Planning
‘The future belongs to those who prepare for it today’ - Malcolm X
We’re here to make managing your money and planning for the future simple, as stress-free as possible, and dare-we-say it-enjoyable.
Whether you are planning for retirement, looking to make sense of your pensions, saving for the future or looking to protect what is most important to you, we are here to help!
We are approachable and here to help you make the right choices with confidence. Because at the end of the day, it’s all about making life a little easier. Let’s start planning your brighter future today.
Who we work with
We partner with individuals, families, and business owners to provide tailored financial planning solutions. Whether you’re building wealth, protecting your assets, planning for retirement or managing business finances, we can help you make confident decisions through strategic cash flow planning.
Our goal is simple: to give you clarity and control over your financial future.
* Tax and Cash flow planning are not regulated by the Financial Conduct Authority.
Why our clients choose us
Our clients choose us because we do things differently. We know that financial planning isn’t one-size-fits-all, so we take the time to truly understand you—your goals, your concerns, and your vision for the future. Everything we do is completely tailored to your needs, designed to fit seamlessly into your life, not the other way around.
We cut through the jargon and deliver clear, actionable advice that empowers you to make confident decisions. With us, you’re not just another file—you’re a valued partner, and your success is our priority. That’s what sets us apart.
How we work together
We arrange an Initial meeting to get to know you, and for you to understand how Options Financial Planning can support you in achieving your future goals and aspirations. At this point we will gather the necessary information and ensure we understand you, your existing financial position and where you want to be. During this meeting we will gather enough information to understand what you want to achieve , and what resources you have available at this moment in time, what will be available in the future and what resources need to become available in unforeseen circumstances. Once we understand your priorities and the work involved we can talk about the costs to determine if we move forward to the next stage. We do not charge for an initial meeting.
We produce your comprehensive, bespoke financial plan, which demonstrates how we believe that we can help you achieve your financial priorities and goals. This will include sharing your cashflow plan, to help you to visualise your financial future. Underpinning this will be our recommendations, to help you to achieve your future financial freedom
We implement our recommendations, which may involve, for example switching pension schemes, consolidating pensions, increasing monthly contributions or making the most of your tax free annual allowances. Again this may involve recommending a certain provider or delivering an investment strategy to help you to achieve your long term goals. We will guide you to help you understand the costs, risks and implications.
We Implement the plan. We will put in place any agreed actions and take away the stress of the paperwork and dealing with the providers, where appropriate, keeping you informed throughout.
We do Regular reviews – An annual planning meeting to review your plan, and take account of any changes to your personal or financial circumstances. This ensures that we remain on track to achieve your goals, but ensuring that we can take account of any new goals or changes to your desired future lifestyle. We ensure that we continue to provide the ongoing support, keeping you updated and informed, for example with any changes to regulation or legislation. We are always a phone call away to provide support and answer any questions that you may have.
“David has been managing my Stocks and Shares ISA for several years and maintains a high level of care and professionalism along with consistently delivering impressive results.
David took the time to understand my financial goals and risk tolerance, and tailored a strategy that aligns perfectly with my long-term objectives. He has extensive knowledge of the markets and is proactive in adjusting the strategy when necessary to maximize my future returns.
Communication is another strong point as he is always available to answer any questions I have, no matter how small. He provides regular updates on the performance of my portfolio and is transparent about the reasoning behind any changes. This has given me great peace of mind, knowing that my investments are in safe hands.
Overall, I highly recommend David/Options Financial Planning Ltd to anyone looking for a trustworthy, knowledgeable, and client-focused financial advisor. He has exceeded my expectations in every way, and I’m confident that others will have a similar experience.”
Jamie Podmore
04.11.2024 - Lancashire
David the magic pensions man!
"Over the years we have been gathering a huge file of pensions paperwork. We would stuff it in our file marked pensions, hoping that one day it would be sorted out and we would know exactly where we were and what we would have to do to secure an income for the future. Enter David, the magic pensions man! We had a number of meetings with David from Options Financial Planning. He has a vast knowledge of the pensions and financial industry. He explained each step clearly and in an understandable way. It's a relief to now have an organised file and know exactly what we are doing. David is a top guy and we would highly recommend him and his services."
Paul and Elaine Cribb
15.04.2025 - Lancashire
We would love to hear from you
If you think we can help, there are several ways to get in touch with us.