Coaching, not advice.
An ex-financial adviser in your corner. No products, no commission: just a clear plan for your money that you build and own, with someone keeping you on track.
- 22 years in finance
- No products or commission
- Online, across the UK
You look after your business. Your own money keeps slipping down the list.
Solopreneurs, small business owners and the self-employed are brilliant at looking after their customers, and far less good at looking after themselves. Pensions get put off, savings get raided, and the plan stays in your head.
A regulated advice review can cost around £2,500, so most people simply go without. That leaves millions of people in the UK who need some help with their money, but for whom traditional advice doesn't fit.
- You're self-employed or run a small business
- You know you should sort your pension, savings or budget, but it never quite happens
- You want to understand your money, not hand it over
- You don't want to be sold to
- £2,500Typical cost of a regulated advice review
- 9 to 12mPeople in the UK's advice gap
That's the gap Ndgo Edge is built for.
Financial coaching sits between doing it all yourself and paying for regulated advice. You get a clear picture of where you stand, plain-English explanations of the essentials, and a plan you build yourself, with someone keeping you accountable until it's done.
No products are sold, nothing is arranged on your behalf, and there's no commission. Just the knowledge and structure to make confident decisions about your own money.
Four steps from "I should really sort this" to done.
The EDGE framework sits at the heart of everything Ndgo Edge does. It's simple on purpose, because a plan only works if you actually follow it.
- STEP 01
Evaluate
An honest look at where you are now.
- STEP 02
Design
What an ideal outcome looks like for your situation.
- STEP 03
Groundwork
The steps we agree together.
- STEP 04
Execute
You take the action, with support along the way.
Four weeks. A small group. Your own plan at the end.
Work through Evaluate, Design, Groundwork and Execute in four weekly online workshops on Tuesday evenings, each followed by a private 30-minute 1:1 to make it personal. The first 2027 cohort starts on Tuesday 2 February.
- 4 weeksOne EDGE step each week
- 10 placesIn each cohort
- 45 to 60 minOnline workshop each Tuesday
- 30 minPrivate 1:1 each week
£750
Paid online when you book. A fraction of the cost of a regulated advice review, and it includes 12 months' free EDGE Members.
What's included
- Four online workshops of 45 to 60 minutes, one for each EDGE stage
- A private 30-minute one-to-one after each workshop to apply it to your situation
- Group workshops are educational only: nobody shares personal or financial details in the group
- Plain-English guidance on budgeting, emergency funds, debt, pensions, ISAs and protection
- Your own written plan, with priorities and next steps you chose
- Follow-ups at 30, 60, 90 and 180 days
Coaching, not advice
I'm a financial coach, not a financial adviser. After 22 years in global finance, including work as a financial adviser, I now help people take charge of their own money. I have no products to sell and take no commission, so I'm entirely on your side.
What I do
- Help you get a clear, honest picture of where you stand
- Help you work out what you want your money to do, and set goals in priority order
- Explain the essentials in plain English: budgeting, emergency funds, debt, pensions, ISAs and protection
- Help you build your own plan, then keep you accountable while you carry it out
- Give you the right questions to ask when you need an adviser or solicitor
What I don't do
- Recommend specific investments, pensions, funds, products or providers
- Arrange, buy or transfer anything on your behalf
- Give debt advice or set up debt solutions. I'll point you to free specialist help such as Money Advice Scotland, StepChange or Citizens Advice Scotland
- Give legal advice on wills or power of attorney. I'll point you to a Scottish solicitor
When you need regulated advice
If your plan needs a specific recommendation, such as an investment choice or a pension transfer, I'll refer you to an independent financial adviser authorised by the Financial Conduct Authority. I don't take introducer fees.
Someone who knows the industry, and sits firmly on your side.
- 22 years in global finance, including work as a qualified financial adviser
- No products, no commission and no trail fees
- Plain-English education, so you understand every decision you make
- Real accountability that turns good intentions into action
Barry spent years on the advice side of the table. He knows how the industry works, what good advice looks like, and where people get stuck. That experience now goes into helping you understand your options, not selling you products.
Because Ndgo Edge earns nothing from what you decide, the only goal is a plan that works for you. And if your plan ever needs a regulated recommendation, you'll know exactly what to ask for and who to ask.
In Good Order
The Life and Legacy Organiser: everything the people you love would need to know, gathered in one calm, organised place. A fillable PDF with instant download.
- Accounts, policies and pensions in one place
- Who to contact, and where the paperwork lives
- Your wishes, written down while you can say them
When someone dies or becomes seriously ill, the people left to sort things out often face weeks of searching for accounts, policies and passwords at the hardest possible time. In Good Order helps you gather it all now, calmly, so they won't have to.
You can work through it at your own pace, a little at a time, and it's one of the kindest things you can leave behind.
Plain-English money notes
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Ready to get clear on your money?
A Clarity Call is a free 15-minute conversation on Google Meet about where you are, what you'd like to change, and whether EDGE is the right fit for you.