For self-employed people and small service-business owners who earn decent money, but whose money still feels chaotic

Find out your number. Then see what it means for your prices and your week.

Your Cash Flow Session: 75 minutes, live on screen. I build your cash flow model with you, so you leave knowing how much you actually need to earn.

Joel Ezekiel · MSc Behavioural Economics | Qualified Financial Planner

Two futures for Ella, a made-up client on the same income over ten years. Nothing changes: she runs short in nine of the ten years, shown in red. With a plan: she never runs short. — Ella is made up. Same income, two futures. We build yours live in the session.

"When we actually looked over the numbers, it made everything clearer, and that fear really went away."
Alon, 12-week coaching client

From Joel

A quick word before you decide

Most of the people I work with earn decent money but still end up counting down to payday.

More revenue doesn't fix a leak. It scales it.

I turned £3,000 into £150,000 trading. I thought I was a genius. Then I lost all of it. That's what sent me off to go and study this properly. So now I've got an MSc in Behavioural Economics and I'm a Qualified Financial Planner.

This is what I love about financial planning: doing cash flow modelling. We put your real numbers in, and doing this, everything kind of falls into place.

Joel

What you get

Everything that comes with your session

01Your fact find
Once you've booked, I'll send you a short form about your work, your money in and out, and your goal. Rough numbers are fine.
0275 minutes, live on screen
I build your cash flow model with you. We put your real numbers in, model different options, and see what each one actually looks like.
03Your number
What you need to earn each month and year.
04Your prices, clients and days
What your number means for your prices, your clients and your days.
052 scenarios, side by side
If nothing changes, next to the path you choose. Five years out.
06Your report and spreadsheet
Within 48 hours you get your report and a spreadsheet of your model, both yours to keep: your first three steps in your words, a 30-minute setup checklist for your accounts, and what to expect from your January tax bill.
07One free re-run within 3 months
Your income changes. Send me new rough numbers and I'll update your report.

In the UK, financial planners charge £500 to £1,500 to build a one-off cash flow model (checked on their own fee pages, October 2026). This session is free.

Your report

What you leave with

Your report · page 3 Report close-up: turnover needed each year, then per month, per working week and per working day

Your number

The turnover that pays for enough, then what that means a month, a working week and a working day.

Your report · page 4 Report close-up: price each session needs, sessions a week and days a week

Your prices, clients and days

The price each session needs, and how many sessions and days a week your number takes at the price you charge now.

Your report · page 6 Report close-up: a five-year chart with two lines, nothing changes and the path you chose

Two futures

Nothing changes, side by side with the path you named, five years out.

What it's like when we
look at the numbers together.

From my 12-week coaching clients, on our calls.

"When we actually looked over the numbers, it made everything clearer, and that fear really went away."

Alon

"I've cleaned up my spending, I've put my structured payments into place… I have a plan, I have a system, and that's been working."

Lynton

"It wasn't just about learning new money tools, but actually being taken by the hand, kind of guided through this process, and also being given a type of system or structure I can apply no matter how much money I have available. That is really huge."

Jennifer

Why not just ask my accountant?

Good question. An accountant looks backwards to keep you legal. They don't tell you how much of today's invoice you can actually move to your own account. That's the gap we work on.

Your privacy

What I'll never ask you for: bank statements, account numbers, card details, logins or passwords.

Rough numbers are fine, and best guesses beat blanks.

Only I see your answers. I use them to build your model, then I delete them once your session is done and your report is sent.

Questions people ask before booking

Is this financial advice?

No. I'm a planner, not an adviser. I'm qualified but not FCA authorised. This session does not recommend any product, pension, investment, insurance or debt arrangement. Every figure is an illustration, not a forecast.

I'm not in the UK. Can I still book?

Yes. Bring the tax figures your accountant uses for you and we work with those. I don't give tax advice.

What do I need to bring?

Just the fact find, filled in before the call. Rough numbers are fine.

What if my numbers are a mess?

Rough or messy numbers are exactly what this is for. Nothing you tell me shocks me.

Is this a sales call?

At the end, if it's a fit, I'll tell you about the 12 weeks. If not, you leave with your report. No pressure either way.

What if I need to move my session?

Reschedule free up to 24 hours before your session.

Right, that's everything.

It's free: 75 minutes, live, and your report within 48 hours. 5 places a week.