Our Services
Practical financial guidance tailored to your circumstances and goals.
Financial Education Services
Choose the level of support that matches your needs. All sessions can be conducted remotely or in person at our Birmingham or Manchester offices.
Financial Health Check
A comprehensive review of your current financial position. We examine income, expenditure, debts, savings, and insurance coverage to identify strengths and areas for improvement.
£95Budget Creation Workshop
A hands-on session where we build your personalised budget from scratch. You'll leave with a working spending plan, tracking tools, and practical strategies for sticking to it.
£150Debt Management Consultation
For those struggling with debt, we analyse your obligations, explore repayment strategies, and help you understand all available options including consolidation and formal arrangements.
£175Investment Fundamentals Course
A three-session programme covering the basics of investing: asset classes, risk tolerance, diversification, and how to evaluate investment options. No prior knowledge required.
£295Retirement Planning Review
An in-depth analysis of your pension arrangements, projected retirement income, and whether you're on track to meet your goals. Includes recommendations for closing any gaps.
£225Self-Employed Finance Session
Tailored guidance for freelancers and small business owners on separating personal and business finances, tax efficiency, irregular income management, and building business reserves.
£195Ongoing Support Packages
For clients who want continued guidance as they implement their financial plans.
Quarterly Review Programme
Four sessions per year to track progress, adjust your plan for life changes, and address new financial questions as they arise. Includes email support between sessions.
£480/yearMonthly Coaching
Twelve sessions annually for comprehensive support. Ideal for those undertaking significant financial transitions such as clearing debt, building first-time savings, or major life changes.
£1,100/yearCouples Financial Planning
Joint sessions for partners who want to align their financial goals and create shared strategies. Covers merged and separate accounts, shared expenses, and long-term planning as a household.
£275Service Comparison
Find the right starting point for your financial journey.
| Service | Duration | Best For | Price |
|---|---|---|---|
| Financial Health Check | 90 minutes | Anyone wanting a clear picture of their finances | £95 |
| Budget Creation Workshop | 2 hours | Those who struggle to track spending | £150 |
| Debt Management Consultation | 2 hours | Individuals with multiple debts or payment difficulties | £175 |
| Investment Fundamentals Course | 3 x 90 minutes | Beginners ready to learn about investing | £295 |
| Retirement Planning Review | 2 hours | Mid-career professionals thinking ahead | £225 |
| Self-Employed Finance Session | 2 hours | Freelancers and small business owners | £195 |
| Couples Financial Planning | 2.5 hours | Partners aligning their financial goals | £275 |
Why Choose Our Services
How It Works
Getting started with Luminous Bond is straightforward.
Initial Contact
Reach out via email to describe your situation and what you're hoping to achieve. We'll respond within two working days.
Service Selection
Based on your needs, we'll recommend appropriate services. You're never pressured to purchase more than necessary.
Session Booking
Choose a time that suits you. Sessions are available weekdays, evenings, and Saturday mornings. Remote or in-person.
Take Action
Implement your plan with confidence. Follow-up support is available if you have questions after your session.
Service FAQs
For a Financial Health Check, it helps to have recent bank statements, details of any debts, and information about savings or pensions. Don't worry if you can't gather everything—we can work with what you have and identify gaps together.
Yes. Our Community Access Programme offers subsidised services for individuals receiving Universal Credit or other means-tested benefits. Contact us to discuss eligibility.
Absolutely. Many clients start with a single service and later decide they'd benefit from regular check-ins. You can upgrade to a support package at any time, and we'll credit the cost of recent individual sessions toward your package fee.
We understand that life happens. Reschedule at no charge with at least 48 hours notice. Later cancellations may incur a small fee to cover our time, though we'll always try to accommodate emergencies.
For most people, yes. We've refined our remote delivery to be highly engaging, using screen sharing to review documents together. Some clients actually prefer remote sessions as they can participate from home without travel time.
Yes. Following every session, you'll receive a summary of key points discussed, any personalised recommendations, and relevant resources or tools. This gives you a reference document to return to as you implement your plan.
Not Sure Where to Start?
Get in touch and we'll help you identify which service best fits your current situation and goals.
Contact Us