Is financial coaching the same as financial advice?

No. Financial advice is regulated by the Financial Conduct Authority (FCA) and involves recommending specific financial products such as pensions, investments, or mortgages. Financial coaching focuses on your mindset, beliefs, and behaviours around money rather than product recommendations.

How much does financial mindset coaching cost?

A single coaching session costs £179. A package of three sessions is £479, and a comprehensive six-session package is £879. Sessions can be conducted via video call or face-to-face in Cheadle, South Manchester.

Do you offer sessions online as well as face-to-face?

Yes. Sessions are available face-to-face in a garden office in Cheadle, South Manchester, or via video call for clients across the UK.

Who can benefit from financial mindset coaching?

Financial mindset coaching is for anyone who feels anxious about money, struggles to act on financial knowledge they already have, keeps repeating unhelpful money patterns, experiences conflict with a partner about finances, or wants to build a healthier, more confident relationship with money.

How many sessions will I need?

This depends on your specific goals and circumstances. Some clients achieve significant progress in three sessions; others benefit from the deeper work of six sessions.

Do you work with couples?

Yes. Money is a significant source of conflict in many relationships, and couples coaching can be very effective for surfacing different money beliefs and finding a way forward together.

Financial Mindset Coaching is based in Cheadle, Stockport (SK8 1LN), in South Manchester. Face-to-face sessions take place in a private garden office. Video call sessions are available for clients anywhere in the UK.

What Is Financial Mindset Coaching and How Can It Help Me?

Nicholas Thompson
Apr 4
3 min read

Most of us were never taught how to think about money. We learned how to earn it, perhaps how to spend it, and if we were lucky, a little about saving. But the deeper relationship we have with money — the emotions, the fears, the stories we tell ourselves — that rarely gets addressed. Financial mindset coaching exists precisely to fill that gap.

What exactly is financial mindset coaching?

Financial mindset coaching is a one-to-one process that explores your beliefs, behaviours, and emotions around money — and helps you change the ones that are holding you back. Unlike financial advice, which tells you what to do with your money, financial mindset coaching helps you understand why you do what you do with it.

The goal is not to give you a portfolio or a pension plan. The goal is to help you develop a healthier, more empowered relationship with money — one that supports the life you want to live.

What does a financial mindset coach actually do?

A financial mindset coach works with you across a series of structured sessions to explore your current relationship with money, identify the specific patterns or beliefs that are causing problems, and help you develop new ways of thinking and behaving. Sessions typically cover things like: the emotions you associate with money, your spending and saving habits and what drives them, your financial history and how it shapes your present behaviour, your financial goals and what might be getting in the way of achieving them, and practical strategies for feeling more in control day to day.

Who benefits most from financial mindset coaching?

Financial mindset coaching can help a very wide range of people. You might be someone who earns a good salary but still feels like money slips through your fingers. You might avoid looking at your bank account because the anxiety is too much. You might argue with your partner about money regularly, or feel a deep sense of shame around past financial decisions. Perhaps you know what you should be doing — saving more, spending less, investing for the future — but you just can’t seem to make it stick. If any of that resonates, financial mindset coaching could be transformative.

What is the difference between financial coaching and financial advice?

This is one of the most common questions I get asked. Financial advice is regulated in the UK and involves a qualified adviser making specific recommendations about financial products — pensions, investments, ISAs, mortgages, and so on. Financial coaching is different: it is not regulated financial advice and does not involve recommending specific products. Instead, it focuses on the psychological and behavioural side of your finances — the mindset piece that traditional advice rarely touches.

Many people find that they have all the right financial information available to them, but they still can’t act on it. That is usually a mindset issue, not a knowledge issue — and that is exactly what financial mindset coaching is designed to address.

What results can I expect?

Clients who engage seriously with financial mindset coaching typically come away with a much clearer sense of their relationship with money, reduced anxiety around financial decisions, improved communication with partners about finances, more confidence to plan and act, and better habits around spending, saving, and building for the future. These are not overnight changes — but with the right support, they are absolutely achievable.

If you’re based in South Manchester or Cheadle and would like to explore whether financial mindset coaching is right for you, I’d love to have a conversation. Sessions are available face-to-face in my garden office or via video call across the UK. Feel free to get in touch to find out more.