Buzz Money Coach helps people understand their money, build a plan and take the next action. We do not recommend products, we do not manage anyone's money, and we are not financial advisers. That distinction is the whole basis of what we do — so it's the first thing on this page rather than the small print at the bottom.
A coach helps you see your position clearly, decide what matters, and actually do the things you've been meaning to do. That's it. No product is being sold to you — coaching fees are the only thing you pay us. If an introduction to Equity & General goes ahead and you become their client, they pay Buzz a commission, and you're told that before it happens.
If you want the longer version of that distinction, we've written it out in full: coach or adviser?
Co-Founder & Operations Director
Andy built Buzz to help business owners and families get their money working — clear plans, better decisions and real momentum. He reviews every Financial Freedom Score personally.
Co-Founder & Finance Director · AAT licensed
Peter brings 20+ years in finance to the numbers side — budgeting, cashflow and the practical planning that makes a difference. He is licensed by the AAT (Association of Accounting Technicians).
Between them they have spent most of their working lives looking at other people's finances. Neither of them is a regulated financial adviser, and neither pretends to be.
Buzz Accounting spends its days looking at business numbers. What kept coming up was personal: owners taking dividends with no idea what the household actually needed, employees with three forgotten pensions, families who could not answer a simple question about their own spending. None of that is an accounting problem, and almost none of it needs a regulated adviser. It needs someone to sit down, look at it honestly, and agree what happens next.
The gap is real. Regulated advice is properly regulated for good reason, but it is designed for people who have something to advise on — a pot to invest, a pension to transfer, a mortgage to arrange. If you are earning well and still don't know where it goes, an adviser is the wrong first call, and you will usually be told so.
So Buzz Money Coach starts earlier, at a price that doesn't require a decision. A free score, a free health check, a £39 follow-up session, a £399 road map. If it turns out you do need regulated advice, we say so and you can take your fact-find with you to Equity & General, or any adviser you choose, so you are not paying someone to gather information twice.
Every fee is on the site. The fees on this site are the only money we take from a coaching client. If we introduce you to Equity & General and you become their client, E&G pay us a commission — we say so upfront, and an introduction is always optional.
There is no subscription, no minimum term and no automatic renewal on anything we sell. Sessions are booked one at a time.
If the free score is enough, or if the right answer is free debt help elsewhere, that is what you'll be told. Selling a £399 Plan to someone who needs a standing order helps nobody.
Bank connections are read-only. We do not sell data, run advertising trackers or send bulk marketing without your agreement. The detail is in the privacy notice.
Buzz Money Coach is a trading style of Buzz Money Ltd, registered in England and Wales. Buzz Financial Services is a trading style of the same company — one business with two clearly separated services, so you can move from coaching into regulated advice without starting again. Buzz Accounting is a separate company in the wider Buzz family, and works alongside both.
Buzz Money Coach provides money coaching, not regulated financial advice. Coaching does not include a personal recommendation about any regulated financial product. Where regulated advice is appropriate, we say so. Buzz Money Ltd is not authorised to give regulated advice, but we can introduce you to Equity & General, authorised and regulated by the FCA (No. 474163), if you would like.
If you are struggling with debt, free and independent specialist help is available from StepChange and National Debtline. We would rather send you to them than take a fee for the wrong service.
Coaching is not regulated financial advice, so no — and that is the point rather than a gap. What we do is help you see your own position clearly, decide what matters and actually do it. Nobody recommends a pension, a fund, a mortgage or a policy to you, which is what regulation exists to govern. It does mean the protections attached to regulated advice, the Financial Ombudsman and FSCS, cover products rather than coaching sessions. So when a real product decision arrives, that belongs with an authorised firm: we say so, and can introduce you to Equity & General, authorised and regulated by the FCA (No. 474163). If you become their client, E&G pay us a commission, and we tell you that before the introduction, not after.
Mostly from the fees on this site, and we will be straight about the exception. The Financial Health Check is free, the optional 45-minute follow-up session £39, the Money Road Map £399, and coaching £69 a month or £39 for a half-hour or £69 for a full hour; the Financial Freedom Score is free. Coaching is paid for by you: the fees on this site are the only money we take from a coaching client, and no lead sale, data sale or advertising sits behind this site. One thing worth saying plainly, because most firms bury it — if we introduce you to Equity & General and you go on to become their client, E&G pay us a commission. We will tell you that at the point of the introduction, not afterwards. It is why an introduction is always optional, and why we will say when you do not need one. There is no lead sale, no data sale and no advertising business behind this site. The practical consequence is that "you do not need to buy anything for this" is an answer we can afford to give, and it is one of the more common ones.
Peter Allen is Buzz's Finance Director, licensed by the AAT — the Association of Accounting Technicians — with more than twenty years in finance. Andy Jackson is Operations Director, built Buzz Accounting, and reviews every Financial Freedom Score result personally. Neither of them is a regulated financial adviser, and we would rather say that on the About page than bury it in a footer. What they bring is years of looking at other people's numbers, business and household, and a practical sense of what stops people acting on things they already know. Anything needing an FCA-authorised adviser gets referred, not helped along informally.
Because the same problem kept surfacing in accounts meetings and none of it was an accounting problem: owners taking dividends with no idea what the household actually needed, employees with three forgotten pensions, families who could not answer a simple question about their own spending. Almost none of that requires a regulated adviser. Advice is built for people who already have something to advise on — a pot to invest, a pension to transfer — so if you earn well and cannot see where it goes, an adviser is the wrong first call and will usually tell you so. Buzz Money Coach starts earlier, at prices that do not require a decision.
Recommend a pension, investment, mortgage or protection policy. Tell you which provider or fund to use. Arrange, sell or manage any financial product. Advise on debt solutions such as IVAs or bankruptcy. Take a hidden payment for pointing you anywhere — the only commission is E&G's on converted introductions, disclosed before the introduction is made. There is no informal version of any of it either — no off-the-record steer because you asked twice, however reasonable the question sounds. That list is not a disclaimer bolted on at the end; it is the shape of the service, and it is why the fees are what they are. What remains once you remove all of it turns out to be most of what people actually need.
Anyone in debt difficulty — go to StepChange or National Debtline first, because free independent specialist help is faster and better than anything we sell, and they can do things we cannot. Anyone who wants their money managed for them; that is not a service we offer and never will be. Anyone who wants to be told which product to buy today, which is regulated advice. And, honestly, anyone who already tracks their spending, has a written plan and reviews it, because coaching adds very little to a system that is already running. We would rather say so than take the fee and discover it together in session two. Free, impartial guidance is also available from MoneyHelper, the government-backed money guidance service.
It stays with your coach. The free tools run entirely in your browser and their answers are never sent to us at all; coaching data sits in Supabase, encrypted in transit and at rest and processed in the EU; your client file sits in Plannr, the CRM coaches work from. Bank connections are read-only, so nothing can be moved from any account. We do not sell data and we run no advertising trackers. These public pages carry no analytics at all; the signed-in coaching app measures its own usage. Score details are deleted on request or after two years with no contact; coaching records are held for six years from the end of the relationship. To request a copy or a deletion, email hello@buzzaccounting.co.uk and we reply within 30 days. Full detail is in the privacy notice.
Your Financial Freedom Score gives you a clear picture and one useful next action.