REAL Financial Planning

REAL financial planning starts with you, setting you on the path to achieving the life you want.

What is REAL financial planning?

At New Path, our focus isn’t on selling products — it’s on putting you at the centre of everything we do.

A product may solve a need today, but it can’t capture the bigger picture: your ambitions, your family, and the life you want in the years ahead.

That’s why we do financial planning differently. We call it REAL planning — starting with you, not a product. We take time to understand what matters most, then build a strategy that protects your future, supports your goals, and gives you clarity, confidence, and a roadmap to the life you want to lead.

With REAL planning, we’re not just ticking boxes or following generic advice — we’re creating a plan that works for your life, today and tomorrow. Your plan, not ours!

How will it help me?

REAL financial planning is about much more than filling a gap with a product. It’s about helping you answer life’s bigger questions:

  • What do you want your future to look like?
  • What do you want to be able to do for your family?
  • And how much money will you need to make it all happen?
  • What kind of lifestyle do you want to enjoy – now and later?

Our belief is simple: until we understand who you are, what’s important to you, and where you want to go, we don’t have the right to talk about your money.

Getting to know you

When we first meet, our focus is on you. And we mean really getting to know you – your story so far, where you are right now, and where you’d love to get to in the future.

Only once we’ve built that full picture can we work with you to shape a plan that feels right. And with that plan in place, no matter what life throws at you, you’ll be prepared.

Creating your lifetime plan

Once we understand what’s important to you, we create your lifetime financial plan. We’ll use a range of tools – including tax planning and cashflow modelling – and stress-test it with detailed ‘what if?’ scenarios.

This approach allows us to explore potential outcomes, like early retirement or changing spending. The result is often a brighter picture than expected, giving you the confidence to retire sooner, gift more, or enjoy life’s little luxuries.

The Financial Conduct Authority does not regulate tax planning.

Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.

Cashflow modelling

What is it and how can it improve my life?

“ ”

Our goals can only be reached through a vehicle of a plan in which we must fervently believe and upon which we must vigorously act. There is no other route to success.

Pablo Picasso

“ ”

The journey of a thousand miles begins with a single step.

Lao Tzu

“ ”

The biggest risk of all is not taking one.

Mellody Hobson

“ ”

Not everything that can be counted counts, and not everything that counts can be counted

Albert Einstein

“ ”

Planning is bringing the future into the present so that you can do something about it now.

Alan Lakein

“ ”

A goal without a plan is just a wish.

Antoine de Saint-Exupéry

“ ”

The best time to plant a tree was 20 years ago. The second best time is today.

Chinese proverb

Why should you work with a financial planner

Clarity and confidence

Tailored strategies

Holistic planning

Long-term partnership

Stress reduction

Better outcomes

Our value

The benefits of working with us

Investments

Financial planning

Other

Annual Investment Statement

Annual Planning Meeting

Second Opinion Service

Someone who cares as much about your financial future as you

Asset allocation advice

Ad Hoc meetings for important decisions

Tax efficient retirement income plan

Thinking partner

A bodyguard between you and product sales people

Formalise your goals and build Your Plan

Unlimited access to answer any money questions

Introductions to other professional advisers

Tax efficient savings strategy

Accountability partner

"Bucket List" Planning

Independent sounding board

Consolidation of investments

Financial administration - getting everything 'tidy'

Support for a surviving partner

Proactive, not reactive, tax planning

Helping you avoid regrets

Trusted adviser and co-ordinator between all your professional advisers

Education on legislation changes

A "don’t do that" servcice

Someone to tell you what to you need to hear, not want to hear

Guidance during tax season

Support during volatile markets

Fraud & Scam avoidance

Tax efficient estate plan

A voice of reason during emotional decsions

Keeping you focused on what truly matters

Tax planning

Behavioural

Investments

  • Annual Investment Statement

  • Asset allocation advice

  • A bodyguard between you and product sales people

  • Tax efficient savings strategy

  • Consolidation of investments

Financial planning

  • Annual Planning Meeting

  • Second Opinion Service

  • Ad Hoc meetings for important decisions

  • Tax efficient retirement income plan

  • Formalise your goals and build Your Plan

  • Unlimited access to answer any money questions

  • Accountability partner

  • "Bucket List" Planning

  • Financial administration - getting everything 'tidy'

Tax planning

  • Proactive, not reactive, tax planning

  • Education on legislation changes

  • Guidance during tax season

  • Tax efficient estate plan

Behavioural

  • Helping you avoid regrets

  • A "don’t do that" servcice

  • Support during volatile markets

  • A voice of reason during emotional decsions

Other

  • Someone who cares as much about your financial future as you

  • Thinking partner

  • Introductions to other professional advisers

  • Independent sounding board

  • Support for a surviving partner

  • Trusted adviser and co-ordinator between all your professional advisers

  • Someone to tell you what to you need to hear, not want to hear

  • Fraud & Scam avoidance

  • Keeping you focused on what truly matters

REAL Financial Planning

FAQs

Our investment philosophy

Guides

What is risk?

Reviews and Ratings for Financial adviser Paul Dovey, Worcester

Client hub

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Contact us

It begins with a conversation

Take the first step toward a clearer, more confident future.

    New Path Financial Planning Ltd is entered on the FCA register under reference 1034112.

    New Path Financial Ltd is an Appointed Representative of Best Practice IFA Group Limited, which is authorised and regulated by the Financial Conduct Authority. The registration number is 223112. Registered Office: Kingsway House, 40 Foregate Street, Worcester, Worcestershire,

    The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

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