Graham Wells

What were the circumstances that caused you to initially look for a financial coach?

I initially looked for a financial coach because I believed I was struggling with self-discipline—finding it hard to stick to the budget I’d set for myself. I was prioritising saving for a house deposit, but over time I began to feel that something wasn’t quite right with my approach. I wanted support in understanding whether the issue was with my habits or the structure of my budget itself.

How has Graham Wells helped you?

Working with Graham helped me gain clarity around my financial goals and the motivations behind them. I came to understand my attitude toward money and how to create a more balanced approach across short-, medium-, and long-term priorities. He explained key concepts in a way that empowered me to make informed decisions, and I now feel confident managing my finances with a healthy balance between preparing for the future and enjoying life today.

Have you seen the outcome you were hoping for?

Yes, and even more than I hoped for. Working with Graham has greatly improved my financial literacy and helped me understand the reasoning behind financial decisions, not just the actions themselves. I now feel confident, informed, and much more in control of my financial future.

What could they have done better?

There is nothing more that could have been done to make this experience better.

What were the circumstances that caused you to initially look for a financial coach?

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.

How has Graham Wells helped you?

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.

Have you seen the outcome you were hoping for?

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.

What were the circumstances that caused you to initially look for a financial coach?

I have struggled with my finances for years and being a non-UK resident I found it hard to access financial advisor services. After doing some background reading, I realised I needed a financial coach and I found a few online who had been practicing for a few years but no real experience. However, Graham’s experience and qualifications, ticked all the boxes.

How has Graham Wells helped you?

I enrolled in the six-session package and set goals in the first session and I have now completed all the sessions and met all the goals. I have managed to build up the confidence to tackle my financial challenges and plan for the future.

Have you seen the outcome you were hoping for?

Absolutely! I wish I had started with Graham years earlier to build up my financial literacy and set the foundations for a more sound financial future.

What were the circumstances that caused you to initially look for a financial coach?

I had recently retired and wanted guidance on investments, asset allocation and financial planning through retirement. I was worried about the money side of retirement and wanted to check if everything would be OK, and whether the plan I had devised myself could work.

How has Graham Wells helped you?

Graham guided me towards thinking more about budgeting, cashflow management and sound financial habits and behaviours, rather than worrying about investment choices and asset allocation. 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.

Have you seen the outcome you were hoping for?

After 1 year working with Graham as my financial coach, I can truly say that it has been a transformational experience. 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.

What could they have done better?

Nothing!

What were the circumstances that caused you to initially look for a financial coach?

We were looking to improve our ability as a partnership to talk about money and plan for our future, without it being a point of contention or pressure for either of us.

How has Graham Wells helped you?

Graham unlocked our ability to communicate about money, and to align our values and key goals in life with how we need to manage our money to achieve this. He helped us become a better team, instead of a stressed couple who hated talking about finances.

Have you seen the outcome you were hoping for?

Absolutely, and we are putting into practice the lessons we learned regularly thanks to the tools and advice that Graham gave us.