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Welcome to Howard Nowell Life Planning 

 Your best life. Planned.

What Life Planning is...? 


Life planning is a unique, holistic financial approach harmonising your personal aspirations, values, and financial goals. It's more than just advice; it's understanding your life's goals. We create a simple financial plan that includes your assets, relationships, and well-being. With life planning, your financial choices truly reflect your life's ambitions. It's about living your best life.


Life Planning gives you control and influence over the rest of your life. If you want to give yourself the best chance of living the life that you and your family deserve actions and decisions cannot be deferred indefinitely. The direction of travel is important and small refinements and changes in behaviour today can make significant impacts to your future well-being.

Why Life Planning...?


Your Choices...

£19 pm

Starter pack 

The Starter Pack includes a set of life planning templates and a workbook, plus access to the extensive MONEYFITT education library and HAPNAV, a poweful cash planning tool plus unlimited Q&A.

1-2-1 Life Planning 

A personal Life Planning course delivered in person and/or virtual over a 12-week period.  This will offer a tailored program, designed to your personal circumstances to activate your financial future. Please contact me for an initial discussion.

Weekly Life Planning

Our weekly group sessions designed to deliver the ACTIVATION GAMEPLAN over just 12 weeks. PLUS access to to HapNav, a powerful cash flow planning tool, and the extensive MoneyFitt financial education library.

   £50     session 

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About Howard Nowell

When it comes to implementing The Activation Game Plan, Howard is the perfect partner. With over 30 years of experience in the financial services industry, Howard deeply understands the complexities of financial planning and investment management. He has held senior roles in Sales Management, Consultant Relations and has led large teams, giving him a unique perspective on the challenges and opportunities facing individuals and institutions.

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Putting You In Control

We  prioritise a personalised approach to financial planning, placing you at the center. Unlike traditional advice, we empower you with the tools and insights you need for a holistic life and financial plan. While many have pieces of a financial plan, few capture what truly matters: health, lifestyle, relationships, and respect. We see beyond just financial products, embracing the bigger picture.

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Personal Finance Content Library

Increasing your financial activation levels is key to achieving better financial outcomes. That's why we have developed a personal finance content library that provides a comprehensive resource for investors to elevate their financial knowledge and make informed investment decisions.

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Why Us

Why Now...?

Personal reasons for action.


The Great Reset

We are witnessing what is being called the "Great Resignation" or "Reset" as people reassess their careers and lifestyles in the wake of the pandemic. This trend has resulted in a shift towards more flexible working arrangements, as well as an increased focus on work-life balance and personal fulfilment.

Economic volatility 

We are living in challenging economic times.  Having a long term financial and investment plan, designed to cope with short term volatility, based on solid fundamental investment and risk frameworks gives you the best chance of achieving longer term financial stability.  Knee jerk reactions to investment market volatility can often prove costly several years down the road.  


There is a growing awareness of the importance of sustainability and environmental responsibility, with more people seeking to align their personal values with their financial decisions. This trend is leading to a greater emphasis on investing in companies and initiatives that prioritise sustainability and social responsibility.

Key Trends


The cost of living crisis is making it increasingly important for individuals to have a clear financial plan that helps them make the most of their resources and achieve their goals in the face of economic uncertainty and inflation.

Advice Limitations

Too often, traditional financial advice is focused solely on managing investments and finances without considering the broader context of an individual's life goals and aspirations. This realisation has created a demand for more personalised and holistic approaches to financial planning that consider the individual's unique circumstances and values.

Side car aspirations 

Do you have aspirations for a secondary or part-time jobs, alongside your primary job?  Side jobs, often a passion or a hobby can be valuable sources of income that individuals pursue outside their regular employment fulfill and  explore other interests. They often  range from freelance work, part-time jobs, or entrepreneurial ventures conducted outside regular working hours.


Advances in investment platforms and technology have made it easier and more cost-effective for individuals to manage their finances and investments independently, without the need for expensive financial advisers or traditional wealth management firms.


Creating a better financial future for everyone.

Our Approach 

Introducing The Activation GamePlan, a financial planning framework that puts you at the centre of your financial plan. Unlike traditional plans, we believe that your biggest asset is YOU. By investing in yourself, we can create a financial architecture that supports your ideal future – one where you do what you love, excel at it, and make a meaningful impact.

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Your Situation 

We believe this approach is perfect for individuals looking to bring some structure to their finances and lifestyle. You may have been considering lifestyle changes given the events of the last few years.  These catalysts are a perfect time to take action and move forward proactively with the next stage of your life.  Too many people have made knee jerk decsionswith out the benefit of a framework that will give you the most realistic chance of success. 

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Our Mission

Our mission is to equip people with the knowledge and tools they need to shape their lives. We provide clear education, guidance, and support for unique life journeys. We're dedicated to serving those overlooked by traditional financial advisers, promoting financial literacy and life planning. Our goal is to help everyone reach their potential and achieve their dreams.

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About Us



Address for meetings in person 

Howard Nowell Life Planning

Surrey or Central London 

(other areas upon request) 

Our Phone No.

07729 913961

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