Programmes designed for your stage of life

Children absorb financial concepts faster than adults realize. Our programme teaches saving, spending, and value through interactive games and real-world activities tailored to their developmental stage.

What we cover

• Understanding money as a tool for exchange
• Distinguishing wants from needs
• Basic saving strategies using visual aids
• Making purchasing decisions with limited resources
• Introduction to earning through age-appropriate tasks
• Recognizing advertising and its influence

Format

Four 90-minute sessions over one month. Parents receive follow-up resources to reinforce learning at home.

Enroll your child

Teenagers face financial decisions their parents never encountered at the same age. Digital payments, online shopping, and early credit offers require modern financial literacy.

What we cover

• Setting up and managing a bank account
• Using budgeting apps effectively
• Understanding how credit cards and overdrafts actually work
• Recognizing predatory lending and scams
• Planning for university costs or entering work
• Building good financial habits before independence

Format

Five 2-hour sessions over six weeks. Includes practical exercises with real banking apps and scenario planning.

Enroll your teenager

Comprehensive financial planning covering everything from daily budgeting to long-term investing. Finally understand where your money goes and how to make it work harder.

What we cover

• Building a realistic budget that you'll actually follow
• Strategies for eliminating high-interest debt
• Understanding payslips, tax codes, and deductions
• Pension planning and maximizing employer contributions
• Introduction to investing: ISAs, stocks, and funds
• Building an emergency fund that fits your life
• Major purchase decisions: mortgages, cars, insurance

Format

Eight 2.5-hour sessions over eight weeks. Includes personalized action plan and ongoing email support for three months.

Start your financial mastery

Coordinated education for multiple family members, creating a shared financial language and unified goals. Strengthen both your finances and your relationships.

What we cover

• Age-appropriate sessions for different family members
• Establishing family financial values and goals
• Communication strategies for discussing money without conflict
• Joint budgeting and decision-making frameworks
• Teaching children while learning yourself
• Planning for major family expenses: education, housing, care

Format

Customized programme combining group and individual sessions. Typically 6-8 sessions over two months, adapted to family size and needs.

Plan as a family

Essential financial management for small business owners and self-employed professionals in Cardiff. Master cash flow, tax planning, and sustainable growth without an accounting degree.

What we cover

• Cash flow management and forecasting
• Separating business and personal finances
• Understanding profit versus cash
• Tax planning and quarterly preparation
• Pricing strategies that ensure profitability
• When and how to hire financial help
• Growth funding options: loans, grants, investors

Format

Six 3-hour sessions over six weeks. Includes templates for financial tracking and one follow-up review session after three months.

Strengthen your business finances

Strategic guidance for those approaching or in retirement. Maximize your pension, plan sustainable withdrawals, and ensure your money lasts as long as you need it to.

What we cover

• Consolidating multiple pension pots effectively
• Understanding state pension entitlements
• Withdrawal strategies that minimize tax
• Balancing access to funds with long-term security
• Planning for healthcare and care costs
• Estate planning basics and inheritance considerations

Format

Four 2-hour consultation sessions over four weeks. Includes personalized retirement income projection and written recommendations.

Plan your retirement