Philly Financial

Philly Financial Use money to live the life you actually want to live. Financial coaching to get you clear on how you want to live and using money as a tool to get there.

Chartered wealth manager since 2011. I will never DM you first

I was on LBC Radio with Matt Frei this morning talking about the Budget’s impact on high earners and what I’m actually s...
29/11/2025

I was on LBC Radio with Matt Frei this morning talking about the Budget’s impact on high earners and what I’m actually seeing amongst clients.

One of the points I made: NHS workers are turning down shifts and extra work to stay under £100k if they have nursery-age children. The cliff edge of losing childcare support means that earning more can genuinely leave you worse off, so they’re choosing not to take those extra hours. This affects all of us who need a GP or any kind of NHS support.

Others caught in the £100k–£125k tax trap are doing the same. The effective tax rate makes extra income barely worthwhile, especially if they’re also paying for childcare.

Matt referenced a poll showing that 30% of 18–35 year olds are planning to leave the UK. I’m seeing a bit of that - clients who’ve already moved or are actively planning exits. But I’m also seeing a growing sense of “what’s the point of being here if you’re ambitious?”

In practice, I’m seeing three types of responses:
• Some have left.
• Some are doubling down, working even harder to earn vastly more - yes, they pay more tax, but their net income is still life-changing, and the work we do together helps them make the most of it.
• And some are staying because they have roots, support, and lives built here that aren’t easily replicated elsewhere.

So the real question isn’t just “should I leave?” It’s “can I build the life I want here, and what will that actually take?” I love supporting my clients with this.

What was your take on the Budget?

27/09/2025

You can earn or make good money and still feel completely out of control with your money.
This disconnect isn’t about your intelligence or capability - it’s because financial education skips the most crucial foundation: your relationship with money itself.
I’ve worked in Wealth Management since 2011, and I see this pattern repeatedly with high-achievers. They’re brilliant in their careers and businesses but feel anxious about their financial decisions because they’ve never addressed the underlying beliefs driving their money behaviours.
Before you dive into investment strategies or wealth-building tactics, you need three essential foundations:
Unpack your money story - Those inherited beliefs about money that are unconsciously running your financial life
Align with your values and vision - So your money becomes a tool for the life you actually want, not just accumulation for its own sake
Build intentional spending and saving habits - Replacing guilt and confusion with purpose and confidence
True wealth isn’t just about the numbers in your account, it’s about feeling genuinely secure and strategic with every financial decision you make.
When you get these foundations right, investing and wealth-building become natural extensions of your values rather than sources of stress.

09/09/2025

You earn well but still don’t feel clear on what you could be doing with your money to make the most of it. Build Wealth with Confidence is a 12-week group coaching programme designed to turn that uncertainty into clarity. Together we’ll cover pensions, ISAs, and investing in a way that feels simple and actionable — while also working on the mindset shifts that make confident wealth-building stick. You’ll leave with a calm, structured plan for your money and the confidence to follow through.

Yesterday was a career highlight speaking at the Financial Times Festival.Back in March I contributed to a piece on the ...
07/09/2025

Yesterday was a career highlight speaking at the Financial Times Festival.

Back in March I contributed to a piece on the £100k tax trap. Six months on, it’s still the most read and commented article in FT Money this year. The fact that it resonated so strongly shows how many people are feeling the squeeze at this threshold. Not only is the personal allowance lost so an effective marginal tax rate of 60% but it’s a cliff edge for losing funded childcare hours too.

To be on stage at the Festival, sharing perspective alongside brilliant voices was an absolute dream.

12 weeks ago, a group of women earning over £100k came together, saying they wanted to get more confident with what to d...
02/09/2025

12 weeks ago, a group of women earning over £100k came together, saying they wanted to get more confident with what to do with their finances, they wanted to learn how to invest, they wanted to know they were doing enough with their pensions.

Rather than diving straight into the practical steps of what to do with their money, we dug deep into what narrative they were telling themselves around money today, we looked at any blocks they might have or limiting beliefs around money.

We then got really clear on what mattered to them. We looked at their values, and thought about how they were spending their time and energy as well as their money. Only then, when we were crystal clear on where they wanted to get to, did we start looking at the practical steps of spending, saving, and investing.

I am thrilled with the growth, the transformation, and the new versions they’ve become. In our weekly wins I have seen how they are celebrating small changes to their day-to-day as well as making big moves in their money.

Creating these safe spaces for women to get empowered around money is part of my mission and I’m grateful for every single person who trusts me to support them.

A few comments from this cohort:

“I’ve lost the fear and know how to take action.”
“From freezing to steady action. I feel confident now.”
“I learned a lot about myself and I’m taking clear steps.”
“A rare space where women can speak openly about money.”

31/08/2025

What would change if you were purposeful with your spending, saving and investing? 💭
Instead of randomly saving “what’s left” or avoiding investment decisions, imagine every money choice feeling intentional and aligned with who you are.
No more guilt about spending on things you love. No more anxiety about whether you’re making the right financial moves. Just clarity, confidence, and money working towards the life you actually want.
That’s what we’re exploring in my F r e e Money Clarity Challenge starting tomorrow Monday 1st ⬇️
3 days to transform your relationship with money + live masterclass Wednesday 8pm
Ready to stop second-guessing yourself and start building wealth with purpose? Link in bio 👆

30/08/2025

When you get a group of high-earning women together to talk about money, magic happens ✨Most of us are brilliant at our careers but still feel like we’re winging it with our finances. Sound familiar?This week I’m running a FREE 3-day Money Clarity Challenge where we’ll:• Uncover your current money story• Envision the confident woman you’re becoming• Design the life you actually wantPlus a live masterclass Wednesday 8pm to put it all together 🎯Ready to stop feeling uncertain about money and start building real wealth? Link in bio to join us 👆

30/08/2025

Intentional living leads to intentional spending, saving and investing and will transform your life. When we are clear on what we want it is so much easier to say yes and no. We will touch on this is my f r e e challenge starting Monday and in more depth in my group coaching programme starting 21 September. We don’t often stop and think about what’s working, what we want more of, but if we don’t do that we won’t be living in alignment with our values or how we want to live. Join up via the link in my b I o and sign up to the waitlist for my group coaching to get a special bonus.

28/08/2025

But not feeling like you’re doing enough with the money? This is for you.

27/08/2025

If you’re considering funded childcare hours from summer term 2026 you’ll need to apply in this tax year so net adjusted income will need to be below £100k. I do childcare strategy sessions on this to help you work through the numbers if needed.

26/08/2025

Come and join us if you’re earning over £100k and wonder if you’re doing enough with your money

I will be running Build Wealth with Clarity again in May - sign up via my page. If you’re looking for a safe, encouragin...
25/02/2024

I will be running Build Wealth with Clarity again in May - sign up via my page.

If you’re looking for a safe, encouraging space to learn about maximising your finances then why not join us - early bird for the next few weeks. We start in May.

I help high-achieving women get financial clarity, so they can live well today while building wealth sustainably for the future. 

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