Practical financial guidance with transparent pricing
Each service begins with understanding your current situation and goals. We do not use one-size-fits-all templates—every session is tailored to your circumstances. All prices include preparation time, the consultation itself, and follow-up documentation summarising what we discussed and recommended actions.
For individuals and families seeking financial clarity
A comprehensive review of your income and expenses to create a sustainable monthly plan. Includes expense categorisation, savings allocation strategy, and a customised tracking spreadsheet you can use independently going forward.
Educational sessions explaining how different investment vehicles work within UK regulations. Covers ISAs, SIPPs, workplace pensions, and general investment principles. We help you understand options—we do not manage investments directly.
Structured approach to understanding and reducing debt. We analyse your current obligations, interest rates, and payment schedules to create a clear reduction plan that balances aggressive payoff against maintaining quality of life.
Understanding your pension options and projecting retirement income requires clarity on workplace schemes, state pension entitlements, and personal savings strategies. We help you see the complete picture and identify gaps while there is still time to adjust.
Sessions cover pension consolidation considerations, drawdown versus annuity concepts, and how different retirement ages affect your projections.
For Sheffield entrepreneurs and small business owners
Establishing proper financial structures from the start. Covers separating personal and business finances, choosing appropriate business banking, basic bookkeeping systems, and understanding your tax obligations as a sole trader or limited company.
For businesses struggling with timing mismatches between income and expenses. We analyse your cash flow patterns, identify stress points, and develop strategies to smooth out the bumps while maintaining healthy reserves.
Analysis of your current business structure and practices to identify legitimate tax efficiency opportunities. Covers allowable expenses, pension contributions, dividend versus salary considerations, and when to consider incorporation.
Select your service of interest and we will be in touch to arrange a suitable time
The information provided through maple-jay is intended for educational purposes and general guidance only. It does not constitute personal financial advice and should not replace consultation with qualified financial professionals. Individual circumstances vary significantly, and outcomes depend on many factors beyond our control. Before making significant financial decisions, we recommend consulting with an authorised financial adviser who can assess your complete situation.