Financial Coaching

Money growing

I offer coaching and here’s how it works.

I help you to take control and manage your own money better. Whether the goal is achieving financial freedom, planning for early retirement, career change or just making their money work harder for you, everyone needs to make the best of their situation.

I do this through financial coaching. You can think of this like having a personal fitness trainer alongside you…but for money rather than for exercise.

My approach is very different from traditional financial advice. I’m not on commission and I’ll never try to sell you anything.

I provide education, tuition and support to people who gain confidence making their own decisions. I don’t provide regulated investment advice or recommendations or hold client money. Rather, I give you the tools to make your own decisions.

Keep calm

I normally do most sessions face to face with people in central London or in Farnham, Surrey.

During lockdown I run sessions via Zoom or Skype.  I’ve done this for people in America, Dubai, UAE, Finland, France, Portugal, Singapore, Switzerland, Sweden, India, Thailand and Australia as well as from all over the UK.

If you’d like to chat about how this could help you, email me on: or give me a call on 07985 028700.

I look forward to speaking with you.

What clients say

“My husband and I had a coaching session with TEA…and he was fantastic. He added so much value…”

“consider a meeting with TEA. He’s a good guy, very easy to talk to, speaks plainly, and makes a great sounding board”

“unique combination of impressive financial knowledge with the softer side of personal development. Thoroughly recommended…”

“I got way more from the session than I ever thought possible”

“the value you will get from him is beyond money”

You can check out more client feedback in the comments below.

It’s good to talk

Yes, I’m biased but you should talk to someone about your plan. A robust plan is one that has been looked at and challenged by someone that’s on your side.

If you have a wise and rich patrician uncle who has mastered the wealth accumulation game, lucky you. Go to their chateau or private members club. Talk to them, learn from them, pick their brain.

Yes, its possible to do it on your own. You can learn from your own expensive mistakes (as I did). But it generally works out cheaper to learn from other people’s mistakes. Don’t be penny wise, pound foolish.

How would you benefit?

You get to pick the brain of someone that has already faced the issues that you are facing. You get to ask questions and bounce ideas off someone who has achieved financial freedom.

You get the confidence of knowing whether you are on the right track. You get transparency from me (I will tell you anything you want to know about how I invest, spend less and earn more) and total confidentiality.

I have a degree in economics, I qualified as a chartered accountant and then worked in corporate finance in the City for almost 20 years…whilst managing my own portfolio and finances to financial independence.

There are lots of different areas where I can help.  We can focus on what is most important to you but here are some of the things that I have helped people with:

  • learning about investing
  • planning for life changes such as changing jobs / careers, retirement, moving country
  • how to take control of your own portfolio and reduce costs
  • how to spend less
  • how to start & grow an online business or lifestyle business
  • how to deal with stress at work
  • how to overcome financial anxiety
  • how to get your partner on board with financial independence
  • how to think about asset allocation, diversification and volatility
  • financial independence – how much is enough?

Am I offering a shortcut to financial freedom?

Yes and no. There are no tricks, no get rich quick schemes and no gimmicks. You still have to do the work of spending less than you make and investing wisely. But if you want to greatly accelerate your progress, you can pick my mind in a few hours for what I learned over the last 25 years.

Why have coaching?

For the same reasons that all top sports people and business executives have coaching.

Reading books and blogs is great, but its not enough on its own: we learn best when we combine reading with a mixture of Q&A, personal interaction, accountability, discussion, encouragement and practical guidance.

Getting to financial independence is as much about psychology and motivation as it is about the simple mechanics of earning more, spending less and investing wisely and on a tax efficient basis. Talking these issues through with someone that has been through them before is hugely beneficial.

Here’s what Vanguard say on the subject:

Clients may not realize they need coaching, but many do. In the investing world, clients’ otherwise sensible instincts and habits can fall short. For example, as consumers, they often rely on product ratings and customer reviews to make informed purchase decisions. Yet as investors, this approach is likely to lead them astray.

But what exactly is behavioral coaching? From a practical standpoint, it’s a matter of helping clients maintain the perspective needed to make sound investment choices—to act or to resist acting—in ways that maintain adherence to their financial plans and keep their portfolios on track for the long run.

How to get best value

Everyone is different and has different areas that they want to focus on. The coaching sessions work best when you have identified beforehand what areas you would like help with.

So I ask clients to email me beforehand with a list of questions or discussion topics.  The list can be as short (a few bullet points) or as long as you want.  The important thing is to have some structure for the session and ensure we cover all the key points you want covered.

Some people only need one coaching session. They get enough from a single session to go away and put the lessons into effect in their own life.  But if you want regular follow up sessions (for example every quarter or every six months) that’s even more effective.

I’m happy to speak on the phone initially with no charge so we can both decide if there is a good “fit”.

If you’re curious and would like to find out more, email me on or call me on 07985 028700.

I look forward to speaking with you!

Barney Whiter

Important regulatory notice: I don’t give regulated investment, tax or legal advice. I never try to sell you anything.  I don’t give product recommendations and I don’t take your money away to invest. You have to make your own decisions. In short, its about teaching people to “fish” rather than selling them fish. 

Image credits: BBC, The Telegraph,


  1. Had our first online chat with Barney a couple of weeks ago. Friendly, informative and has got our boat steering in the right direction.Looking forward to the follow up.

  2. Had my first session with Barney yesterday and it was incredibly useful to talk through FI with someone as knowledgeable as him. Being able to tailor the conversation and FI ‘techniques’ to an individual’s situation is the most valuable thing you will get out of this coaching session. Highly recommended!

  3. We had a coaching session 2 years ago. It was really impactful. I took your guidance and implemented it. At the time I was not very happy in my job and knew I could earn more. You were the positive voice I needed to hear. There’s been ups and downs but I have focused on creating value for my company and “playing a different game” as you called it. I have had two pay rises and a promotion to associate director since then!

  4. AM Norfolk · · Reply

    I have now had my initial 2 hour coaching session with Barney followed a few weeks later with a 1 hour follow up. I am a layman investor with an interest in personal finance but an inherent distrust of the financial services advisory sector. I am not a FI devotee.

    I came into the session wanting guidance on how my investments were split between asset classes and my approach to investing. I asked Barney to give challenges to my thinking and for any personal observations or suggestions he may have.

    What followed were a very insightful set of discussions that I have found personally extremely useful. Barney probed my thinking on several areas, tried to understand where I was in my life plan and then challenged where I was in my approach to investments in light of this. Topics included replacing complexity with simplicity, reducing stress and being more efficient financially. Wide-ranging and thought provoking.

    Within these debates Barney had a large number of simple practical suggestions around reducing tax exposure, minimising costs and reducing types of risk in my portfolio. Between sessions 1 & 2 he gave me a list of homework including tasks around categorising my investments and a significant reading list based post on his own blogs and other interesting sites. Barney was clear, to the point and challenging in his guidance (as I’d requested). He gave me feedback that only an experienced impartial observer could deliver. He provided an excellent reading list and, for me, some very helpful investment insights.

    I can’t recommend the coaching highly enough. Money very well spent. I will both recommend him and use him personally again in the future.

  5. We’ve just done the second session with Barney and over the two sessions he has totally changed the way we think about savings, investments and pensions. We now feel like we have a plan and that we are being very deliberate in the decisions we’re making. Also, after setting things up it feels very easy and straight forward from here on in. I wish I’d had a session like this 15 years ago.

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