Our Services
Your financial life doesn't exist in separate boxes.
Neither should your financial plan.
How we can help you
Cashflow Planning
Cashflow planning helps you see how your income, spending, pensions, investments and future plans may interact over time. It gives you a clearer picture of where you are heading and lets us explore the impact of different decisions before you make them.
Investment Planning
Investment decisions should support your wider financial plan rather than drive it. At Sonder Wealth, we consider your objectives, timescale, circumstances and attitude to risk. Being independent also means that we can consider suitable solutions from across the market rather than being tied to a single provider.
Retirement Planning
Retirement planning brings together various components of your financial jigsaw in the form of your accrued pensions, investments, spending plans and goals. Whether you are approaching retirement, already retired or planning further ahead, cashflow modelling can help explore when retirement may be realistic, how your income needs could change and how decisions made today may affect the years ahead. Where relevant, planning can also take account of later-life and long-term care considerations.
Protection Planning
All too often we see people racing ahead in a quest to amass and accrue for the future whilst overlooking a very fundamental pillar. What happens if the unthinkable were to happen? At Sonder Wealth, we help evaluate what financial impact there would be on your household, your family and your business should anybody within pass away or become seriously ill.
Legacy Planning
Legacy planning considers how you would like your assets to support your family and future generations, including inheritance, gifting strategies and the implications of transferring wealth over time. It forms part of the wider financial picture alongside your own security and your current life goals.
Later Life & Long-Term Care Planning
Planning for care can be complex, emotional and expensive, particularly as many people do not qualify for government funding. Sonder Wealth helps individuals and their families understand how care costs may be funded when care is required, often working alongside attorneys, solicitors and other professionals involved in the process.
Within Sonder Wealth, Steve holds the Long-Term Care specialist licence and has vast experience in dealing with clients in this realm. He is also well connected within the wider care community, helping families navigate a complex system with greater clarity, reassurance and access to the right professional support.
Ongoing Financial Planning
Careers change, families change, markets move and priorities shift. Ongoing financial planning gives you regular opportunities to revisit your cashflow plan, investments, objectives and changing circumstances so the advice remains relevant rather than becoming a document that sits in a drawer. This is an additional, chargeable service, with the scope and fees set out clearly in your Terms of Engagement before you decide whether to proceed.
We work with clients across different stages of life and levels of complexity - from young families and business owners or entrepreneurs, through to people approaching retirement, clients with complex wealth, and those navigating significant life events such as inheritance, divorce or long-term care decisions.
How we approach financial planning
People often engage Sonder Wealth to answer a specific question: I've inherited a lump sum - where should I invest it? Or, I've got five pensions dotted around - should I combine them?
That is usually the point where the pen is placed down.
Before we decide what to do with a pension, investment or any other financial product, we want to understand the person behind the question. What does your wider financial life look like? What matters to you? What are you trying to achieve? What might change over the years ahead?
That is what holistic financial planning means to Sonder Wealth.
Investments and pensions are part of the picture, but they are not the starting point. Cashflow planning, tax considerations, retirement, protection, family, business interests, legacy and the other decisions happening around your life all need to make sense together.
Trusted relationships with professionals across areas such as tax and legal planning mean that you can be connected with a network of support, rather than simply leaving you to figure out what happens next.
The aim is not to sell you a product. It is to give you a clearer view of your financial life and help you make decisions with confidence.
Cashflow Planning
Planning your life, not just your money.
Cashflow planning is at the very heart of how we work at Sonder Wealth. Using specialist software, we can quite literally plot your financial life on screen - bringing together what we know today with realistic assumptions about what may happen in the years ahead.
Income and expenditure, inflation, retirement dates, school fees, weddings, holidays, future car purchases, property moves, inheritances and potential care costs can all form part of the picture.
The result is a visual trajectory of your wealth that helps answer a much more meaningful question than simply “How much do I have?”
What can the plan show?
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You are on track to have sufficient wealth for your future goals.
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There is a potential future shortfall, giving us time to consider what can be changed now.
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You may have more than you are likely to need, opening a conversation about spending, gifting or using your wealth differently during your lifetime.
What if life doesn't follow the plan?
Life is not linear, so the model shouldn't pretend that it is.
We can create alternative scenarios and stress-test the plan - for example, retiring earlier, experiencing a fall in investment markets, being unable to work through illness, living longer than expected or facing future care costs.
And it keeps evolving
Cashflow planning is illustrative rather than predictive. We revisit the plan as your circumstances change and during ongoing reviews, so it remains a useful decision-making tool rather than a forecast created once and forgotten. It can also be revisited throughout the year when a significant financial decision arises.
Cashflow planning is included as part of the planning process with Sonder. It isn't an added extra.
What working together looks like
1 Initial exploratory discussion
Getting to know one another and understanding whether we're the right fit.
2 Scope of work
A written summary of your circumstances, objectives, the work we recommend and the fixed fee involved.
3 Research & analysis
A deeper investigation into your existing arrangements, with research undertaken alongside the specialist team where required.
4 Presentation of advice
We meet to go through the recommendations together, supported by your interactive cashflow plan where appropriate.
5 Implementation
Documentation, signatures and provider liaison are handled for you so the agreed recommendations are properly put into place.
6 Ongoing review
Keeping the plan relevant as your circumstances, objectives, legislation and financial world change.
FAQs
Sonder Wealth provides holistic financial planning across areas including cashflow planning, investment planning, retirement planning, protection, legacy planning and ongoing financial planning. These areas are considered together as part of one wider strategy rather than treated as unrelated financial products.
Cashflow planning brings together information such as your income, expenditure, savings, pensions, investments, property and future goals to create a visual model of your financial future. Different scenarios can then be explored to help you understand how decisions made today may affect the years ahead.
Yes. Cashflow planning underpins the advice provided by Sonder Wealth and is included as part of the agreed financial planning process rather than being treated as an additional extra.
The process begins with an initial exploratory discussion. Choosing somebody to entrust with important financial decisions is a significant step, so we prefer to take the time to get to know you and establish whether you are the right fit for one another. These initial conversations are complimentary and, where useful, may take place over more than one meeting.
Once we have a clear understanding of your circumstances and how we may be able to help, we prepare a Scope of Work. This records our understanding of your situation, the objectives you have agreed, the areas of financial planning we recommend addressing and the fixed fee for carrying out that work. Only then do you decide whether you would like to engage Sonder Wealth.
If you proceed, Sonder Wealth and the specialist research team carry out a deeper analysis of your existing arrangements. Depending on the work involved, this may include liaising with existing pension or investment providers and gathering the information required to prepare a comprehensive recommendation.
We then meet with you to present and explain our advice, supported where appropriate by your interactive cashflow plan, and makes sure you understand the recommendations before anything is implemented.
If you decide to proceed, Sonder Wealth sees the process through - preparing the necessary documentation, obtaining signatures and liaising with providers on your behalf so the implementation is taken off your hands.
For clients who choose ongoing planning, the relationship then continues through regular review and support as circumstances, objectives and the financial landscape change.
The first meeting is focused on understanding you. We will explore your circumstances, priorities, concerns and what you want your money to help you achieve. The purpose is to establish the wider picture before deciding what research, planning or advice may be appropriate.
Important information
The value of pensions and investment and the income they produce can go down as well as up and you may not get back the full amount that you originally invested.
Note that income protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.
Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.
The Financial Conduct Authority does not regulate Cashflow Modelling, Estate, School Fees or Tax Planning.
Ready to start planning?
You don’t need to have everything figured out before getting in touch.
Start with a conversation about where you are and what you’d like help understanding.