Which services does Ownvance offer?
Ownvance offers a personal financial plan, one-to-one investing education and a check on a firm or offer. You can take one on its own or combine them: a plan first, for example, then sessions on investing the money the plan shows you can leave alone. Each service page sets out what's included and what you receive.
A personal financial plan with Ownvance
Ownvance builds your personal financial plan: budget, emergency fund, a way out of debt and clear goals, written down with a spreadsheet you keep.
Investing education with Ownvance: understand it before you start
One-to-one investing sessions with Ownvance: risk and return, diversification, fees, time horizons and how to read a platform's terms. No selling.
Check a firm or offer with Ownvance before you pay
Offered an investment, broker or trading platform? Ownvance checks the register, clone signs, contacts and who holds the money, then writes it up.
Which service should you start with?
Begin with whatever is closest to a decision. If someone has offered you an investment or a trading platform, have that firm or offer checked first. If your money feels disorganised or you have no cushion, the plan comes first. If you have savings and want to understand investing, the sessions are the place to begin.
| Your situation | Start with |
|---|---|
| Someone has contacted you with an investment, a trading platform or a 'manager' | A check on that firm or offer |
| A new online friend or match keeps encouraging you to invest, often in crypto | A check on that firm or offer, and our guide to crypto and romance investment scams |
| You have no savings cushion, or you're not sure where your money goes | A personal financial plan |
| You're paying off debts and trying to save at the same time | A personal financial plan, starting with which debts to clear first |
| Your savings are building up and you're wondering about investing | A personal financial plan to see how much you could leave alone, then investing education |
| You already have an investing account but don't really understand its fees or risks | Investing education |
What's included every time?
Whichever service you choose, Ownvance begins with an introductory consultation and a short engagement letter stating the fixed fee. After the work, we hand over everything we've prepared, such as spreadsheets, notes and written records, and go through each one with you. It all belongs to you, so you can keep using it on your own.
- Files in formats you already use, such as a spreadsheet or a document, with no app or software to buy.
- A short written summary of what we found and which questions are still open.
- Time to go through everything together and ask about anything that isn't clear.
How long does each service usually take?
A personal financial plan usually takes one to two weeks. Investing education is usually a few sessions spread over two to four weeks. A check on a firm or offer usually takes two to five working days once we have the details. Your engagement letter confirms the dates for your own piece of work.
| Service | Usual length | What sets the pace |
|---|---|---|
| Personal financial plan | Usually 1 to 2 weeks | How quickly you can gather your income, spending and debt figures |
| Investing education | Usually a few sessions over 2 to 4 weeks | How many topics you want to cover, and the time you'd like between sessions |
| Check a firm or offer | Usually 2 to 5 working days once we have the details | Receiving the firm's name, how it contacted you and anything it has sent you |
These are typical lengths, not guarantees. The engagement letter confirms the dates for your piece of work.
What's outside the scope of our services?
We don't manage investments, choose products for you, hold or move money, or take commissions from anyone. We don't give tax or legal advice, and we can't recover money lost to a scam. When a decision needs a regulated financial adviser, a lawyer or a tax specialist, we tell you so and help you work out what to ask them.
How we're paid, and why it matters, is explained on how we work.