Planned Future

Workplace Financial Wellbeing

  • 0344 9672567
  • enquiries@plannedfuture.co.uk
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The Planned Future Team

The Planned Future team is made up of Chartered Financial Planners, experienced presenters and a team of organisers and content creators who ensure all events run smoothly.

 
Meet the team

John Chadwick

Managing Director

John started his career teaching Physics and Maths in Oxford and although he moved into a business role after two years of teaching, he realised that even though people may lack confidence and knowledge in a subject, they can learn complex ideas with the right support.

Ever since moving to the role of financial adviser John has been passionate about financial education in the workplace. He believes in equipping people with knowledge of financial matters so they can make informed decisions to help them plan.

John has 35 years’ experience as a regulated financial adviser and achieved the qualification status of Fellow of the Personal Finance Society.

Alongside his financial adviser role with Chadwicks IFA, John launched Planned Future Wellbeing in 2014 and since then we have delivered hundreds of personal finance training events to employees of Universities, Civil Service Departments, Local Authorities and the Private Sector.

To support the training events John launched the Money Guide Service where individuals can meet with a personal finance expert to discuss there own personal circumstances at a very affordable cost. This has proved very popular as, financial advice although very helpful, is expensive to deliver and John feels that ordinary working people need help and support arguably even more than the wealthy.

John is a (long suffering!) Man Utd supporter and in his spare time he enjoys motor homing in the UK and Europe.

Contact John

Jennie Chadwick

Director

Jennie is a Director of Planned Future and is often the first point of contact with our clients when they make enquiries to the firm about our services.

Jennie has experience as a counsellor for young people seeking help and support and as a carer for the elderly in our local community.

In her spare time, Jennie is an accomplished baker and her produce is eagerly consumed in the office by the rest of the team! 

Jennie is a dog lover and her two Chihuahuas regularly join Jennie and John in their motorhome travels. 

Contact Jennie

Balazs Darnoi

Development Director

Bal has over 20 years of experience across a broad range of roles and industries, including positions at Lloyds Banking Group, Exacta Plc, and now with Planned Future.

He is passionate about driving strategic partnerships and growth initiatives that expand market reach and deliver measurable results. With a focus on innovation, collaboration, and long-term client success, Bal helps Planned Future connect opportunity with execution to accelerate business growth.

Outside of work, Bal is a proud father of two young children and enjoys spending time with his family. He’s also an enthusiastic Liverpool FC supporter.

Contact Bal

Mitch Francis

Marketing Manager

Mitch joined Planned Future as Marketing Manager in November 2023, bringing with him over 10 years of experience across the tourism, accountancy, and fintech sectors.

His background includes time in the Marketing department at The Beatles Story in Liverpool, where he helped the popular attraction adapt to the challenges of lockdown.

Mitch holds a degree in Journalism and enjoys keeping active through running—having completed the 2025 Manchester Marathon (on an unseasonably warm April day!) and taking part in weekly parkruns.

Outside of work, he also enjoys playing football and spending time with his friends and young family.

Contact Mitch

Emma Fiddy

Marketing & Events Executive

Emma began her career in 2023 as a Content Creator, combining creativity with her passion for communication and wellbeing. After gaining valuable experience in content production, she moved into her current role as Marketing and Events Executive, where she manages all company events from start to finish and supports Marketing Manager Mitch with a wide range of marketing initiatives.

Having studied Psychology at Loughborough University, Emma has always been passionate about mental health and wellbeing and brings this understanding into her professional life,  ensuring that every event and campaign is engaging, inclusive, and focused on connecting people in meaningful ways.

Outside of work, Emma enjoys spending time with friends and family, and recently became an auntie to her beautiful niece, Sunday – a role she absolutely adores.

Contact Emma

James O'Neill

Business Development Executive

James joined Planned Future in January 2025 as a Development Executive, also supporting the administration team thanks to his extensive background in that area.

He began his career in financial services with NatWest Bank before achieving his goal of working alongside his father at Chadwick’s IFA, owned by John Chadwick. Over nearly 20 years there, James developed a deep understanding of financial administration and built a strong foundation in client service and operations.

Outside of work, James has a passion for music across a wide range of genres and enjoys exploring the hills of North Wales in his spare time.

Contact James

Ian Barr

Organisation Psychologist

Ian is an experienced Organisational Psychologist and trainer within the areas of Occupational Wellbeing and Workplace Psychosocial Risk. 

Previously employed as the Wellbeing Advisor for Airbus Operations Ltd and was instrumental in the provision of workplace mental health support in a manufacturing environment. He is also an accredited Mental Health First Aid Trainer, and Master Practitioner in Workplace Psychosocial Risk Management.

Sean Liddell

Accredited Wellbeing Presenter​

Sean is an accredited MHFA (Mental Health First Aid) MHFA England,  Suicide First Aid (City & Guilds) National Centre for Suicide Prevention, and Mindfulness practitioner and coach British Mindfulness Institute.

A naturally empathic motivator, Sean utilises his coaching skills and conversations to challenge and embed learning to effect positive behavioural change. He has helped hospitals within the NHS, school teachers and students, university lecturing staff as well as corporate organisations experience the benefits of resilience, emotional intelligence and mindfulness.

George Callaghan

Financial Coach

George graduated from the University of Strathclyde before going on to complete a PhD in Economics from the University of the West of England. 

He has edited and contributed to a popular undergraduate textbook Personal Finance and is a qualified coach with the International Coaching Federation and the Institute of Leadership and Management. George’s vision is to empower employees and individual clients to better understand the emotional and practical issues around money.

By combining education around money with an understanding of money emotions people can transform themselves and contribute more to their employer, family and wider society.

Ken Kelling

Third Age Coach

Ken is a Third Age Coach and he helps people by providing an opportunity to create a life with purpose, meaning and happiness.  

Third Age Coaching helps you to plan for longevity, make the successful transition into working less or retirement and to plan for a new lifestyle. 

It asks the right questions and provides you with a self-made guide to making healthy decisions and choices! 

Through a thought-provoking process, coaching helps you stay physically and mentally healthy, empowered and active, as you prepare for a new stage in life 

Third Age Coaching avoids the traps of extreme thinking that older age is either something to dread, or a panacea of one big long holiday. 

Claire Dunn

Financial Coach

Claire is a well-qualified Financial Coach, holding the CII Diploma in Regulated Financial Planning, Wise Monkey Financial Coach Practitioner Certificate as well as the ILM Level 7 Executive Coach and Mentor qualification.  She has worked across a wide range of roles and sectors, from being an Independent Financial Advisor to a Marketing Manager, to teaching personal finance in schools.  

Claire is passionate about personal finance and supporting you in feeling confident about your money decisions. 

Dennis

Certified Money Coach

Dennis is a Certified Money Coach (CMC)® and has been supporting Planned Future since early 2021. 

Money Coaching deals with the subconscious patterns, beliefs and behaviours around money that we all have. Understanding these behaviours and patterns is the key to achieving true financial independence and success because developing a healthy relationship with money enables us to make better decisions, reduce anxiety and other negative emotions, and communicate in healthy ways. 

Understanding and managing the money in our lives underpins financial wellbeing and this is particularly important when facing the challenges of a sudden change in circumstances.

Money Guide Service Terms and Conditions

Please read and accept the Terms & Conditions by completing the form at the end of the document. 

  1. INTRODUCTION

This agreement sets out the terms under which our Services are to be provided.

Planned Future Wellbeing Ltd is a leading provider of financial guidance and education. We aim to improve financial literacy for individuals whatever their financial circumstances or status and empower people to make informed, intelligent financial decisions. We offer you an initial 30-minute consultation at a fixed fee which is notified to you at the time of booking. Following our initial discussion, should you decide to book further appointments, the cost for our services is set out in the applicable Email Confirmation.

  1. DEFINITIONS

“Ad Hoc Support” means Services that are provided to you on an individual engagement basis.

“Email Confirmation” means an email exchange between you and us to confirm the Services to be provided by us to you.

“Initial Period” has the meaning given to it in clause 4.

“Ongoing Support” means Services that are provided to you on a subscription period basis.

“Planned Future”, “we”, “our” or “us” means Planned Future Wellbeing Ltd (company number 09367736).

“Privacy Policy” means Planned Future’s privacy policy which is set out on our website here: https://plannedfuture.co.uk/privacy-policy/.

“Renewal Period” has the meaning given to it in clause 4.

“Services” means the “Money Guide” financial guidance and education services as set out in clause 3 and as more particularly described in the Email Confirmation.

“You” and “your” means a client user of the Services.

  1. OUR SERVICE

We will provide financial guidance and education services to you. Financial guidance and education is the process of providing information, signposting, guidance and considering your options on a wide range of financial issues. Our service is impartial. We will not provide any personal recommendations and any investment and/or financial decision made by you will be yours. Where relevant, we will explain the different options available and outline the pros and cons of each. We can provide signposting information to you and provide help with using products and services that are available direct to consumers, but we do so without recommending such products or services. Where appropriate, we can at your request refer you to regulated financial advisers or legal or tax advisers . Every element of our Services is designed to empower you to make your own informed financial decisions, for example understanding your pension scheme options and considering whether you are on track to achieve your financial goals. Following your initial 30-minute consultation, we offer both Ad Hoc Support and Ongoing Support services.

  1. COMMENCEMENT aND TERM

This agreement shall commence on the date that you indicate agreement by email to an Email Confirmation and shall remain in force until terminated in accordance with the Cancellation section below.

Where you have subscribed to Ongoing Support, on the expiry of the initial subscription period (the “Initial Period”) for such Service, this agreement renews automatically for successive periods of such subscription period (each a “Renewal Period”) unless:

  • either party gives the other party not less than 30 days’ notice to terminate prior to the end of the Initial Period or Renewal Period (as applicable), in which case this agreement ends on the expiry of the Initial Period or the then-current Renewal Period (as applicable); or
  • unless terminated earlier in accordance with accordance with Cancellation Section
  1. FEES

Following your initial consultation, should you decide to book further appointments, the fees for our Services are set out in the Email Confirmation.

You must pay the fees for the Services to Planned Future within the period specified in the Email Confirmation or, if no such period is specified, within 7 days following the issue of an invoice by Planned Future.

You must pay the fees by bank transfer or by such other form of payment as agreed by the Planned Future (using such payment details as are notified by Planned Future to you from time to time).

If you do not pay any amount properly due to Planned Future under this agreement and/or an Email Confirmation, Planned Future may charge you interest on the overdue amount at the rate of 3% per annum above the Bank of England base rate from time to time (which interest will accrue daily until the date of actual payment and be compounded at the end of each calendar month).

Changes to fees

 

We may increase the fees for our Services from time to time by providing written notice to you. If you are an Ongoing Support client, where we do make changes to the fees, those changes will not affect you until your subscription is next due for renewal.

  1. ACCURACY OF INFORMATION

 

Any guidance and education provided by us will be based on the information that you give to us, so it is vital that you provide us with accurate information about your circumstances and objectives. If you provide inaccurate information to us, it could affect the suitability of the guidance and education given. You agree that we shall have no liability to you in the event that any information you provide to us is inaccurate or misleading.

  1. CANCELLATION

 

Ad Hoc Support

Where you are a user of Ad Hoc Support services, we may terminate this agreement by giving you at least 10 business days’ written notice. Where you are a user of Ad Hoc Support services, you may terminate this agreement at any time, without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any Services already provided to you. You will be liable to pay for any Services provided to you prior to termination and any fees outstanding, if applicable.

 

Ongoing Support

Where you are a user of Ongoing Support services, you may terminate this agreement at any time by simply informing us in writing. However we reserve the right to charge you for any unused credits in relation to the remainder of the Initial Period or Renewal Period, whichever is applicable. Termination is without prejudice to any Services already provided to you. You will be liable to pay for any Services provided to you prior to termination and any fees outstanding, if applicable.

  1. DISCLAIMER OF LIABILITY

Financial guidance is not an activity that is regulated by the Financial Conduct Authority, and neither we nor our directors, officers, employees or agents are regulated by the Financial Conduct Authority. Planned Future will not offer any advice that is regulated or conduct any other regulated activity, including without limitation holistic advice, simplified advice, advising on which funds to invest in, which mortgage or insurance products to purchase or whether or not to transfer a pension. This means that it is your responsibility to ensure that the actions you take as a result of our financial guidance are right for you. You will not be covered by the government’s Financial Services Compensation Scheme with respect to our Services or by Planned Future if something goes wrong.

If you require regulated services, we may at your request notify a third party of your requirements and refer you to such third party individual or organisation that offers or provides regulated financial advice. If you have more complex needs such that the Services are not suitable, then we may help you find a suitable third party adviser for such needs.

We are not responsible for any guidance, advice or recommendations given to you by a third party adviser, including any third party financial advisers you are referred to by us. If you choose to speak to a third party adviser, you will have to agree to their terms and conditions which are independent of and separate to the terms of this agreement you have with us.

Except for any liability arising from (a) death or personal injury caused by negligence; or (b) fraud or fraudulent misrepresentation; or (c) any other matter for which it would be illegal or void at law for a party to limit or exclude its liability, we exclude and do not accept any liability to you in connection with any loss or damage caused, or alleged to have been caused, directly or indirectly, by the guidance, information, signposting  or options contained, considered or referenced in the Services.

You acknowledge that you take full responsibility for your finances and well-being, as well as the finances and well-being of your family and all financial decisions now or in the future. We are not responsible for any financial decisions or funding decisions that you make, or which you fail to make. You hereby waive any and all claims against us, our directors, officers, employees and agents in relation to the Services or the consequences that may occur as a result of following the guidance, information, signposting or options given under this agreement.

 

Complaints

If you are dissatisfied with the Services we have provided, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us:

 

In writing:                 John Chadwick

Planned Future Wellbeing Ltd

Suite 3, 3rd Floor, Refuge House

Watergate Row South

Chester, England, CH1 2LE

By phone:                 +44 (0) 344 9672567

By email:                   john@plannedfuture.com

Please be assured we treat all complaints seriously and we will endeavour to respond to a complaint within thirty (30) days of receipt of the complaint.  

  1. DATA PROTECTION

To provide the Services properly, we will need to collect information about your personal and financial circumstances. We will only use your personal information to deliver the Services. Full details of what information is collected by us and how it is used can be found in our Privacy Policy. By using the Services and/or agreeing to this agreement, you accept our practices regarding personal data and how it will be treated.

We will never share your data or information with any other third party except when it is directly required to provide the Services you have requested or where you have given us explicit permission in advance.

We shall use appropriate safeguards to maintain the privacy and security of your personal data, as further outlined in our Privacy Policy.

Under data protection laws, you have the following rights:

  • You can ask us for a copy of the personal information we hold about you. We will provide this free of charge, unless your request is repetitive or excessive, in which case we reserve the right to charge you a reasonable fee.
  • You can inform us of any changes to your personal information, or of any corrections you would like them to make to any of the personal information we hold about you.
  • In certain situations, you can ask us to erase the personal information we hold about you, or object to particular ways in which we are using your personal information. Please note that we may need to retain certain information for recordkeeping purposes, to complete any Services that have begun prior to your request, or for other purposes as required or permitted by applicable law.
  • Where we are using your personal information on the basis of your consent, you are entitled to withdraw that consent at any time.
  • Where we process your personal information based on legitimate interest or the public interest, you have the right to object at any time to that use of your personal information.

You may exercise any of the rights set out in the paragraph above by writing to us (by email or by post).  For security reasons we may ask for proof of your identity before disclosing information about you, or to you, via email or over the telephone.

  1. GENERAL

 

Amendments

 

From time to time it may be necessary to amend the terms set out in this agreement. If this is the case we will write to you with details of the changes at least thirty (30) days before the amended terms take effect. Your continued use of the Services shall be deemed to constitute its acceptance of any such revised terms.

 

Communicating with you

We may communicate with you by telephone, post, email or in person. All our communications with you will be in English.

 

Miscellaneous

If any provision or part-provision of this agreement is or becomes invalid, illegal or unenforceable, it will be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If that modification is not possible, the relevant provision or part-provision will be deemed deleted. Any modification or deletion under this clause does not affect the validity or enforceability of the rest of this agreement.

 

Jurisdiction

This agreement is governed by and should be interpreted in accordance with English law and you agree to submit to the non-exclusive jurisdiction of the English Courts.

 

Legal and accounting advice

Neither we nor our directors, officers, employees or agents are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you, the client, to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us.

  1. YOUR CONSENT

 

These are our standard client terms and conditions upon which we intend to rely. For your own benefit and protection, you should read these terms carefully before indicating your agreement to an Email Confirmation. If you do not understand any point, please ask for further information.

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