A new beginning

 
 
 
 
 
 
 
 
 
 
 
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 Rob Francis 
 
12 October 2026
 
 
  
I've been working with Graham over the last three years, during which time he has been a steady support in helping me to give attention to my financial situation and priorities, something I've long struggled with. I've appreciated his ability to ask insightful questions, along with practical things such as spreadsheets, links and things to consider as I make decisions. As someone who is self-employed, Graham understands the financial aspects of that from his own experience. Plus he's warm and encouraging in his approach. Given we're not usually taught about money and personal finance at school or in our families of origin, working with someone like Graham is a good education – it's never too late!
  
 
 
 
 
 
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 Chiara Cemmi 
 
22 September 2026
 
 
  
I decided to seek financial advice after feeling completely overwhelmed and struggling to find a clear path forward with my finances. Reaching out to Graham was one of the best decisions I have made.

He helped me understand my current situation, guided me through practical steps to improve it, and, most importantly, gave me confidence in my financial future. He also recommended fantastic books and podcasts to help me further expand my knowledge. I now feel fully in control of my finances, equipped with the knowledge to navigate future decisions with clarity.

Graham was approachable, patient, and explained complex concepts in a way that was easy to digest. I highly recommend his services to anyone looking for clear, empowering financial guidance.
  
 
 
 
 
 
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 Gianluca Giordano 
 
10 August 2026
 
 
  
my experience with Graham was one of being accepted without judgment or being infantilised. at 51 my relationship with money was never good and i was conscious of it. he helped me to tidy up my spending and begin to feel safe.
  
 
 
 
 
 
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 Jenny Mason 
 
14 July 2026
 
 
  
Graham was extremely knowledgeable and practical in his coaching. He helped me get on top of my monthly budget following a house purchase, he helped me find a more intentional way of spending and become more financially confident as well as planning for the short and long term future.
  
 
 
 
 
 
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 DJ T 
 
5 July 2026
 
 
  
Very helpful in assisting us to forecast our financial future. Offered great advice in a calm and friendly manner.  Defo recommend!
  
 
 
 
 
 
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 Tamsin Hickson 
 
4 June 2026
 
 
  
Graham provides exactly the kind of consultation that I needed - a calm, steady guide through the dark vale of misunderstanding my finances! I strongly recommend his financial consultation to anyone who feels daunted by their accounts, worried about the future and beset by a sense of guilt at never having learnt how to navigate towards financial adulthood.
  
 
 
 
 
 
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 Rachael Garside 
 
25 March 2026
 
 
  
I decided to do some financial coaching as I felt lost and overwhelmed in managing some current financial matters and in planning for my financial future. Financial coaching with Graham helped me understand things so much better and enabled me to take valuable actions. The coaching process, accompanied with my own personal efforts during the process, have led to me feeling knowledgeable and empowered in relation to my finances and my future. This feels fantastic. Graham is really personable and knowledgeable.  I would highly recommend Graham as a financial coach.
  
 
 
 
 
 
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 Kate McKay 
 
18 September 2025
 
 
  
I originally sought out a financial coach because I thought I was having trouble with self-discipline—struggling to stick to the budget I’d made. I was focused on saving as much as possible for a house deposit, but I had a growing sense that something wasn’t quite right. After working with Graham, I came to understand that the problem wasn’t a lack of discipline—it was that my budget wasn’t well balanced. He helped me see the importance of aligning my finances across short-, medium-, and long-term goals, creating a more sustainable and fulfilling approach.

Through our sessions, I developed a deeper understanding of my financial goals, the motivations behind them, and my overall attitude toward money. Graham helped me build clarity around long-term planning while also encouraging a healthy balance between preparing for the future and living in the present.

He was incredibly knowledgeable and took the time to explain key concepts like compound interest, risk, and volatility in a way that made sense to me. I never felt pressured—just empowered to make informed decisions that are right for me.

I would absolutely recommend Graham to anyone looking to take control of their finances with confidence and clarity.
  
 
 
 
 
 
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 Solidarity Apothecary 
 
28 July 2025
 
 
  
Working with Graham has been genuinely life-changing. I was nervous about reaching out - my bank balance, savings, and pension pot felt embarrassingly small. Growing up with a single mum on benefits, I’d always assumed financial coaching wasn’t for people like me. But over just a handful of sessions, my entire financial outlook shifted.

Now, I feel crystal clear about what I need to save each year to avoid growing old in poverty - my biggest fear. I finally got clear on my numbers, which helped me buy a small home and feel stable enough to start a family, bringing my beautiful son into the world.

Graham never once made me feel judged. He was always supportive, positive, and professional. If you’re on the fence, don’t hesitate - working with him could change your life too.

Nicole
  
 
 
 
 
 
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 Stephen Garthwaite 
 
19 June 2025
 
 
  
After 1 year working with Graham as my financial coach, I can truly say that it has been a transformational experience.  At the start of our sessions, I thought financial planning was all about products: Which funds should I invest in?  What about asset allocation?  ISAs or SIPPs?

What I’ve learnt through our conversations is that it is fundamentally about cashflow - planning intentionally the inflow and outflow of money – making sure expenditure is below income, zero based budgeting, having a spending plan and sticking to it, whilst adapting and adjusting as life happens – but always seeking to live within our means.  That we can still have the lifestyle that we want, but that the inflows and outflows have to match up.

Yes the assets that we have are invested wisely and working hard for us in the background, to provide for our future, but that the key for today is planning intentionally a balanced budget to support the lifestyle that we want now and in the future.

Graham has enabled me to think differently about money - to put it in its place and to focus on the life we want to lead.
  
 
 
 
 
 
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 Imogen Thompson 
 
15 June 2025
 
 
  
Highly recommend the financial coaching, especially if you are looking to transform how you not just work with money, but understand it better in relation to your personal goals in life. Graham gave us the tools we needed to have more open, effective conversations, and coached us to discover our values about money, our teamwork with the money earned each month, and what our long-term plans looked like as a partnership.
  
 
 
 
 
 
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 Peter Graham 
 
4 June 2025
 
 
  
Financial coaching with Graham has transformed my relationship with money from being passive and reactive, to being in control and not afraid to learn and proactively manage my present and future finances. Not many people know about financial coaching... But if you're looking to improve your relationship with money, I'd highly recommend it.
  
 
 
 
 
 
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 James Arkley 
 
14 April 2025
 
 
  
We contacted Graham due to having some ‘basic’ questions about finance things we didn’t understand. These later grew into more in depth questions as our confidence grew!. Not being knowledgeable in this area ourselves, Graham took our hands and guided us though the jargon and never made us feel silly. He had a very soft and kind manner which, as an anxious person, I really appreciated. We booked a few coaching sessions which we used to suit our own personal situation. I fully intend on speaking to Graham in the future when my circumstances change and I’d genuinely recommend his services.
  
 
 
 
 
 
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 Sarah Pridham 
 
20 November 2024
 
 
  
I sought out GroWiser as I identified that I wanted someone to help me with working out how secure my financial future was who wasn't actually going to be selling me products. I realised I had been burying my head in the sand and it would be good for to me to have someone knowledgable support me. The service supported me on so many levels; by bringing clarity and analysis to everything I was able to see what I need to do to keep my lifestyle and cash flow viable for the rest of my life. This was a huge relief to understand! The puzzle I had been ignoring definitely got solved. The resulting clarity motivated me to make my self employment more viable and I now have confidence for the future of my business as well. I would highly recommend Graham as he is great at facilitating, obviously has a vast financial knowledge but even more than that is an unjudgemental "safe pair of hands" which help with kindness. This was something I needed so I feel lucky to have found this all in one service!
  
 
 
 
 
 
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 Aleema Shivji 
 
14 September 2024
 
 
  
Graham has been a brilliant financial coach - really helping us to gain confidence in discussing and taking decisions on our finances as a couple, and building a financial plan for the future. His advice is clear and easy to understand and he really adapted the sessions to our needs
  
 
 
 
 
 
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 Sharon Jackson 
 
13 July 2024
 
 
  
As a creative, I haven't always held my finincial life as a priority but at the start of last year I've made it my #1 focus. I always had an interest in getting my money matters in order but felt held back by a number of things and the biggest blocker I could see was myself! I found Graham in a Google search and met him at a free consultation. I was so impressed by his cheerful, easy-going nature and felt his passion for finances to be encouraging and even contagious! Throughout our sessions, I have beenn able to understand my relationship with money and how I can make that work to my own benefit. I now have a method and rythm that works for me and I am steadily climbing towards my financial goals! I highly recommend Graham's financial coaching services.
  
 
 
 
 
 
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 JaneS 
 
7 July 2024
 
 
  
My husband and I are in our early 60s and contacted Graham to help us with retirement planning because we were overwhelmed with what seemed to be a bit of a ‘jungle’ out there in terms of information.

He helped us take stock of where we were financially and listened carefully to the things we might like to do during retirement. He showed us how to use a planning tool which highlighted the impact of various financial decisions and helped identify future shortfalls, this has been invaluable.

We have now finished our sessions with Graham and feel more financially empowered. Also, we intend to have regular financial health checks with him to make sure we’re on the right path. We would highly recommend Graham for his financial expertise and friendly support.
  
 
 
 
 
 
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 Katherine 
 
20 November 2023
 
 
  
I am so pleased I have worked with Graham over the last few months as it has helped me enormously.

Having someone to talk to about all things personal finance who has such a huge depth of knowledge as well as warm and kind manner is so powerful when needing to make decisions around money.

Also knowing that I can go back to him anytime for a top up session should anything arise that I need to get clarity with gives me a feeling of calm.

I would thoroughly recommend Graham to anyone looking to make changes or deepen their knowledge in their financial life.
  
 
 
 
 
 
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 Mari Gillingham 
 
15 November 2023
 
 
  
We were at a bit of a crossroads with regards to our finances and Graham helped us enormously to look at where we currently are and sort out a long term financial plan working towards retirement and our kids (hopefully) leaving home! Using the financial planning tool very much helped us to clarify an investment strategy and his coaching approach worked well for us. We would certainly use him again in the future as and when we need further help.
  
 
 
 
 
 
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 Morven Houston 
 
16 October 2023
 
 
  
As I approached retirement I needed to review and organise my finances to understand how to set my retirement lifestyle (affordability) and to gain confidence in taking investment decisions (sustain affordability). Graham came through his profile on a Boring Money listing. After an initial meeting where I found Graham to be an excellent listener and a supportive skilled financial coach, together over a short series of meetings we built my financial plan and Graham gave me targeted advice and coaching on key decisions. This was a very empowering process with a tangible output at the end (a ‘lifetime’ financial plan). I now feel well set up for retirement and more confident in handling my investment decisions. Over the medium term I intend to grow that financial confidence and take further financial health-checks with Graham as coach-enabler.
  
 
 
 
 
 
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 Vanessa Kettner 
 
15 September 2023
 
 
  
Graham and I began working together in September 2020. I got in touch because several things in my financial ecosystem had changed: I had moved to a new country; I was now in a serious relationship, so there were two sets of finances to think about rather than just one; and the economic fallout from the coronavirus pandemic had tornadoed through my self-employment income. I needed help navigating the new terrain. As a result of working with Graham, I now feel completely empowered and motivated when it comes to what I am creating in my financial life. I have a detailed plan that I work on every day; I have tons of confidence; and I have a bulked-up toolkit. I give Graham my highest recommendation; I would not be where I am today without him repeatedly showing up to draw my dreams out of me and then keep me accountable to their execution.
  
 
 
 
 
 
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 Andy Hobbs 
 
26 June 2023
 
 
  
We decided to work with Graham when feeling a lack of control and ownership in terms of managing our finances. Through a skilled, friendly and knowledgeable approach Graham helped us to make some simple decisions, understand the pros and cons of different decisions and feel a life more empowered regarding our finances
  
 
 
 
 
 
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 Abigail Nwaocha 
 
7 June 2023
 
 
  
Working with Graham has been absolutely amazing! Over the past six months, it has truly been the best investment I have ever made. Prior to working with him, I felt overwhelmed and struggled to manage my finances effectively. I had goals of saving and investing, but I lacked the knowledge and confidence to take the necessary steps.

Graham has not only helped me establish a solid foundation for saving and investing but has also provided invaluable accountability and support. Thanks to his guidance, I have gained clarity on where my money is going and have a clear plan for my financial future. Despite the unpredictable economy, I have been able to maintain my desired lifestyle without any financial strain.

Moreover, Graham has helped me achieve significant savings goals, including saving for future investments and important expenses. He has also helped me develop a comprehensive financial strategy, including insurance coverage and emergency funds. As a result, I am in a secure position to support both my personal needs and those of my family.

Overall, working with Graham as my financial coach has been a blessing. I highly recommend him to anyone seeking expert guidance and support in managing their finances.
  
 
 
 
 
 
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 Thomas Smith 
 
15 March 2023
 
 
  
I was feeling frustrated that I didn't know enough about money to feel empowered. I knew I wanted to learn better habits regarding money. After 6 sessions with Graham, I am more financially empowered than I ever have been. I'm new to business and finance and I have some really great practices and routines in place that work within the unique context of my life. Graham and I worked together to set goals that will help me specifically, and nothing was a one size fits all. All of my sessions were tailored to the goals that I had set myself for a variety of specific and personal reasons. Maybe he should've dropped off some business cards when I left secondary school in 2004!
  
 
 
 
 
 
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 Jess Rowe 
 
24 October 2022
 
 
  
I felt like my finances were out of control. I was spending money but didn't have a lot of awareness around where it was actually going. I also wanted to start feeling more empowered with my money, saving and getting a certain amount of saving in my bank. Graham has given me tools to be able to lay out what I spend my money on and how much I have left over. This has given me the awareness that I was wanting to have. He has also helped me feel empowered with my money through mindset and I am now excited every week that I get paid instead of having anxiety and fear that my money will fly out the bank without me be aware of where it is going. I have become a lot more aware of where my money is going and what I am spending on things. I am excited to feel more in control with my money and to continuously see my savings rise. Graham holds space for his clients and asks questions that help me get to the deeper meaning or root cause of why something might be happening.
  
 
 
 
 
 
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 Alex Priest 
 
28 July 2021
 
 
  
Graham is a fantastic financial coach, combining expert financial knowledge with top-notch coaching skills, as well as real empathy and warmth.

From the very first session we felt empowered and supported. Graham provided such a clear framework to help us address our key issues and was always affirming and responsive to our personal situation. He helped demystify the “big picture” financial planning questions which had daunted us for many years, enabling us to come up with tangible solutions and achievable next steps. Graham also provided much needed structure and accountability throughout the process. By the end of our sessions we’d made so much progress and continue to feel the benefits of putting his advice to use! We heartily recommend Graham and Growiser without any hesitation.

Alex & Esther
  
 
 
 
 
 
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 Douglas Millar 
 
8 July 2021
 
 
  
Turning to Growiser Financial Coaching for assistance has been, without a doubt, the best decision I have made in the last 10 years.

Since earning a full time wage I have always had a niggling feeling that I needed to understand the dark arts of money and how to save properly. Like many others, it appeared an incredibly difficult world to navigate and understand. 20 years later, I sold my house which left me with a small amount of excess cash. I decided it was time to educate myself on the options I had. I reached out to Graham knowing he had an extensive knowledge of the financial industry.

From that very first meeting he listened to my needs and created a tailored approach which gave me newfound confidence and understanding towards my finances. His expert advice and careful guidance has made me excited about my financial future in a way I didn't think was possible.

I wouldn't hesitate to recommend his services, everyone should benefit from his wisdom and ability to demystify the world of personal finance.