About You


Your joint relationship with money should strengthen your relationship with each other, not cause friction. Let me show you how to find financial harmony and work effectively towards a shared vision for the future.

Strengthening your financial and emotional bond

Many of the milestones of marriage or relationships are tied to money, from buying a home to having children. As the years go by, you face new and different financial situations together. If you find yourselves at a turning point in your joint money journey, there’s never a bad time to seek professional guidance.

You may have contrasting “money personalities”, with one partner more comfortable throwing caution to the wind than the other, and you want help finding balance. Or you might just want help on practical points like how best to pool your cash to support your family or spend more time doing the things you enjoy. I can help you to navigate all of it through the tailored services and solutions described below.

The SPEND Programme

Being financially organised is an ongoing process and there are always changing priorities to navigate. As a couple, it’s likely that you’ll have a number of points you’d like to address from the five key areas below. We can work through these as a tailored programme, or if you have something more unusual, let’s talk about a more bespoke approach.

Savour your spending

  • Calculate your joint net worth
  • Identify your family’s essential expenses
  • Allocate your leisure spending
  • Plan your luxury treats
  • Set a couple’s spending plan and monitor it

Protect your family

  • Prepare for unexpected expenses
  • Assess the financial impact of one of you falling ill or dying
  • Secure continuity for your business
  • Arrange wills and powers of attorney
  • Enjoy gifting and leaving a legacy

Eliminate your debt

  • Review your spending
  • Assess your interest rates
  • Design your repayment strategy
  • Track your progress
  • Accelerate your repayments

Nurture your wealth

  • Understand both of your retirement pots
  • Maximise free money
  • Learn how to invest
  • Reduce unnecessary tax
  • Pursue compound returns

Design your future

  • Identify your values
  • Assess your personal and combined strengths
  • Visualise your ideal future
  • Consider your legacy
  • Build your plan


Designed to help you enjoy financial wellbeing

It’s never too early or too late to seek professional support and your financial journey is unique. For some people, the focus is on shorter term goals like getting financially organised, finding a better way to repay debt or learning how to save and invest. For others, it could be longer-term uncertainty that’s creating anxiety.

It’s hard to visualise your financial future and whether you can afford to retire one day, change career or start your own business. With GroWiser, you can choose from two helpful routes designed to get you where you want to be.

Financial coaching

From practical matters like understanding your financial position to helping you feel more positive about money, financial coaching will give you the tools you need to become confident, self-reliant and in control.

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Financial planning

A good financial plan gives you greater clarity about your longer-term goals and reveals the pitfalls to avoid. Work with me to create a tangible lifetime cashflow forecast that helps you to visualise your financial future.

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Listen to clients describing their experience

The outcomes you’ll achieve by working with me can make a big difference to your life, but don’t just take my word for it. Hear from real people who’ve already been through the journey.

Are you a financial professional?

If you’re a financial adviser or planner looking to develop a coaching-led experience for your valued clients, you might just find the perfect partner in me. Learn how my training consultancy and partnership opportunities can bring deeper insight into your clients’ financial aspirations, habits and behaviours.

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Sharon Jackson-Kerr
Sharon Jackson-Kerr
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.
Jane Sharkey
Jane Sharkey
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.
Rob Francis
Rob Francis
Graham's been really helpful to me over the last few months in addressing my financial situation, 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. Plus he's warm, level and encouraging in his approach. I have decided to continue working with him over the next year as I continue to engage with my finances. 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!
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.
Mari Gillingham
Mari Gillingham
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.
Morven Houston
Morven Houston
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.
Vanessa Kettner
Vanessa Kettner
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.
Andy Hobbs
Andy Hobbs
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
Abigail Nwaocha
Abigail Nwaocha
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.
Thomas Smith
Thomas Smith
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!