Solutions
At Reffiness, we believe financial planning is not simply the management of money — it is the management of change through time.
Financial Planning is a professional service for individuals, their families, and businesses that helps them organise and optimise their financial affairs to achieve their financial and lifestyle objectives. It transforms uncertainty into direction by aligning financial structure with human purpose.
Our Financial Planning service can add value for many different types of people and at various stages in their lives.
We assist clients to:
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Clarify what is truly changing in their financial and personal circumstances
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Understand how those changes affect their goals, risks, and responsibilities
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Design adaptive strategies that evolve alongside their lives
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Achieve balance between financial security and emotional well-being
In the Reffiness philosophy, financial planning is a living process — a continuous journey of awareness, adaptation, and refinement —
where every decision reflects how we evolve through life.
Services
Advice – From clarity to confidence
Change always starts with awareness. Our advice process begins not with products, but with people in motion.
We focus on understanding what’s changing in your life, what it means to you, and how it impacts your finances.
We offer professional, regulated advice across key areas of financial life:
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Mortgage & Credit Advice – guiding you through buying a home, refinancing, or financing your next project.
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Protection & Insurance Advice – helping you build financial resilience through life assurance, critical illness, income protection, and accident cover.
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Investment & Wealth Advice – aligning your assets with your goals, time horizons, and values.
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Pension & Retirement Advice – structuring your income for financial freedom later in life.
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Estate & Succession Planning – ensuring your wealth and values are passed on securely and intentionally.
Through our Change Discovery Form, we identify your current life transitions and translate them into meaningful, actionable advice.
Planning – Structuring your evolution
Once clarity is achieved, we design a plan — not as a static document, but as a living structure that grows and adapts with you.
Our Financial Change Framework connects every element of your finances — from income and protection to savings, investments, pensions, and legacy.
We use Cashflow Modelling to visualise your evolution — helping you see how your money supports the life you’re building.
Planning is not about controlling change — it’s about creating balance within it.
Execution & Monitoring
We coordinate every aspect of your financial plan to ensure each decision is strategic, compliant, and fully aligned with your goals.
Whether arranging your mortgage, setting up your pension, consolidating investments, or implementing protection, our advisers act as Change Partners — ensuring every step feels intentional and informed.
We don’t execute transactions. We bring decisions to life, but life evolves, and your plan should evolve with it.
Through our Annual Change Review, we meet regularly to reassess your situation, refine your strategy, and ensure your financial plan grows with your ambitions.
We revisit your goals, your risks, and your changing priorities, ensuring clarity and confidence as your story unfolds.
Review is not revision — it’s refinement.
Client Stories
Client Success Stories: Real People, Real Financial Triumphs - Explore Their Journeys to Financial Success
Meet Anna, a vibrant and optimistic individual who, like many of us, never expected life to take an unexpected turn. A routine medical check-up led to a diagnosis that no one ever wants to hear - cancer. The news shook Anna's world, bringing uncertainty and fear into her life.
Client: Ariadna
However, she was not alone in this challenging journey because she had something that would prove to be invaluable: a critical illness plan and the assistance of one of our advisers who led her through the process of financial compensation assisting her during the product's lifetime.
Year: 2019
With the support of her insurance, Anna received £20,000 lump sum which helped her to maintain her lifestyle and support the treatment during the period of recovery. She was able to focus on her health and recovery rather than worrying about the financial aspects of her life.
Area: Insurance
Meet Anna, a savvy investor with a passion for real estate. She had her eye on a unique opportunity - a HMO property that promised high rental yields. However, this property came with its own set of challenges related to the property condition, renovation costs and short timeframe that seemed insurmountable.
Client: Anna
Recognising the complexities of this unique situation, Anna decided to enlist the expertise of a mortgage broker who specialised in bridging finance. The broker played a pivotal role in securing the suitable finance solution securing the purchase and expanding the existing property portfolio.
Year: 2023
With the guidance of her broker, Anna secured a bridging loan quickly, allowing her to meet the tight property purchase deadline and providing not only the purchase price but also the renovation costs. Anna's journey demonstrates the power of expert guidance in the world of real estate investment.
Area: Bridging Finance
Meet Waldemar, a determined first-time buyer who refused to let her adverse credit history stand in the way of his homeownership dream. With the unwavering support of a skilled mortgage broker, Waldemar's journey is a shining example of perseverance and the power of expert guidance.
Client: Waldemar
Adverse credit events from her past, including missed payments, CCJs and a low credit score, made him a less-than-ideal candidate for traditional mortgage lenders. He was so resigned because a few other brokers failed to secure a mortgage for his dream home, but determined to step onto property ladder, he decided to seek professional guidance once again.
Year: 2022
Following the assessment of his credit history and developing a tailored plan to improve his credit score over time, our broker secured the finance with the lender specialising in adverse credit cases and advised how to improve the score to refinance to a better rate after a fixed deal. Waldemar bought a dream home and obtained the plan to improve his finances.
Area: Mortgage