Money Honey Financial Planning

What Money Honey Financial Planning does

Money Honey Financial Planning LTD is a UK-based, FCA-authorised (register number 772350) independent financial planning firm that serves UK residents and British expatriates. The company operates entirely through a digital, paperless delivery model using Microsoft Teams video-conferencing and a proprietary Personal Financial Portal, with no physical client-facing offices. Its services span four tiers: a £40 pay-as-you-go Guidance session, a Self-Service investment option from £100/month in passive index funds restricted to ISA and General Investment Account wrappers, a modular Full Advice service priced per component with full regulatory protections, and £25 Tech Top-Up sessions for digital-literacy support. Specialised offerings include estate planning (wills, LPAs, trusts, gifting) and ethical/ESG investing across SRI, green and impact mandates.

The business model is built on removing traditional overhead through remote-only delivery, allowing the firm to maintain permanently low fees while offering a menu of entry points from low-cost guidance to fully regulated ongoing advice. Customer acquisition relies on an educational blog, downloadable PDF guides, organic social channels (LinkedIn, Facebook, X), a free 30-minute initial consultation, and VouchedFor listing for third-party-validated reputation. The firm holds Corporate Chartered Status from the Chartered Insurance Institute, Pension Transfer Gold Standard accreditation, Cyber Essentials certification, and has maintained VouchedFor Top Rated recognition for seven consecutive years (2019–2025), alongside MoneyAge Micro Firm of the Year awards in 2020 and 2021 and Money Marketing awards for Best Use of Technology and Best Protection Advice. Operationally it is a micro practice of 1–10 employees with no external funding, no subsidiaries, and no disclosed M&A activity.

Name

Money Honey Financial Planning

Legal name

Money Honey Financial Planning LTD

Website

https://moneyhoneyfp.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Money Honey Financial Planning LTD is a UK-based, FCA-authorised digital financial planning firm offering low-fee guidance, self-service passive investing, modular full advice and estate planning to UK residents and British expatriates via video-conferencing and a Personal Financial Portal.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Financial Coaching & Budgeting Advisory (FSAEAAAH), Digital/Robo Financial Planning (FSAEAAAK), Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN)

Keywords

• Financial planning
• Investment advisory
• Retirement planning
• Estate planning
• Ethical investing

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Financial Advisory Services: The firm charges for financial planning and advisory services across multiple tiers. The guidance service is priced at £40 for a 20-minute consultation. Self-service investment management is offered from £100/month in passive funds. Full-advice services are charged on a modular basis, where clients pay only for the components they use (situation analysis, personal recommendation, implementation, ongoing service). Tech top-up sessions on how to use the Personal Financial Portal and Microsoft Teams are priced at £25 for 20 minutes, with the first session free.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Money Honey Financial Planning is a UK-based, fully digital financial advisory firm offering tiered services: a £40/20-minute Guidance consultation, a £100/month Self-Service passive investment option (ISA and GIA), and a modular Full Advice service covering situation analysis, personal recommendations, implementation, and ongoing support. The firm also delivers Estate Planning (wills, LPAs, trusts, gifting) and Ethical/ESG Investing, all delivered remotely via video-conferencing and a Personal Financial Portal to maintain low fees.

Product overview

Money Honey Financial Planning operates a four-tier digital advisory service model comprising Guidance (entry-level consultation), Self-Service (restricted passive investing), Full Advice (comprehensive regulated advisory), and Tech Top-up Sessions (digital literacy support). These services are delivered entirely online via their Personal Financial Portal and Microsoft Teams video conferencing. The firm also offers specialized Estate Planning services (wills, powers of attorney, trusts, gifting) and Ethical/ESG Investing options. All services are designed to maintain low fees through their digital-only delivery model, avoiding traditional overhead costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Guidance Service A 20-minute consultation priced at £40 for clients who know roughly what they want but want help understanding their options. Not a personal recommendation; no FCA regulatory protections apply. Guidance fees are reimbursed if the client subsequently takes full advice.
• Self-Service Passive Investing A restricted investment service allowing clients to invest from £100/month in passive index-tracking funds, available within ISA and General Investment Account (GIA) wrappers. Lower-cost alternative to actively managed funds.
• Full Advice Service A fully FCA-regulated advisory service where clients choose modular components — situation analysis and shortfall calculation, personal recommendation, implementation support, and ongoing service — paying only for what they use with full regulatory protections.
• Estate Planning Services Estate planning covering will writing, Lasting Power of Attorney, gifting strategies, and trust setup for tax-efficient wealth transfer and inheritance tax mitigation.
• Ethical / ESG Investing Investment services aligned with ethical, environmental, social, governance, and religious values, including Socially Responsible Investing (SRI), Environmental/Green Investing, and Impact Investing options that exclude harmful industries (e.g. tobacco, coal, weapons).

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Nutmeg: UK digital wealth manager offering low-cost, fully digital portfolio management and investment advice to retail clients. Directly comparable in target market (UK mass-affluent and novice investors), digital-first delivery, and passive/index-tilted investment philosophy.
• Moneybox: App-based UK investing and savings platform with low monthly entry points and ISA/GIA wrappers. Comparable on digital distribution, low-cost onboarding, and a self-service investor persona overlapping Money Honey's £100/month passive-investing tier.
• Wealthify: Welsh-headquartered digital investment manager offering passive and ethical portfolio options with low monthly minimums. Comparable to Money Honey's self-service tier, its ethical-investing emphasis, and the digitally delivered investment proposition.

Broad incumbents

• Hargreaves Lansdown: Largest UK direct-to-consumer investment platform offering ISAs, GIAs, pensions and a wide fund/ETF shelf. Competes for the same UK retail savers and self-service investors Money Honey targets, but at far greater scale and with broader product breadth rather than bespoke financial planning.
• St. James's Place: UK's largest face-to-face wealth management network. Overlaps Money Honey's retirement, estate and ethical planning themes for higher-net-worth segments but operates via in-person advisers and a broader investment proposition, not a digital-first model.
• Interactive Investor: Major UK flat-fee investment platform for ISA, SIPP and dealing accounts. Overlaps Money Honey's self-service investors and DIY ethos, especially on flat-fee value proposition versus percentage-of-assets pricing.
• Vanguard UK: Global passive-investing giant with a UK personal investor and advice offering. Directly comparable on passive-fund philosophy underlying Money Honey's self-service tier, and a structural threat to low-cost digital financial planning generally.

Emerging players

• PensionBee: UK fintech specialising in pension consolidation and drawdown via a fully digital journey. Comparable on digital delivery, low-friction onboarding, and the pension-focused segment of Money Honey's client base; Money Honey holds Pension Transfer Gold Standard, so the two companies intersect in the same consumer decision.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/moneyhoneyfp
• Facebookfacebook.com/moneyhoneyfp
• LinkedInlinkedin.com/company/moneyhoney

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Money Honey Financial Planning