Genistar Genistar
Your journey to

Financial Freedom

Helping people secure a better financial future through education, financial planning and a 6-figure business opportunity.

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Helping people secure

a better financial future

  • Authorised and regulated by the FCA (#472050)
  • Providing financial education, not advice
  • Partner with industry-leading experts
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Over 150,000 families helped since 2007
150,000 120,000 90,000 60,000 30,000 2007 2013 2019 2025
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Problems

UK families face

Millions of UK families face significant financial challenges today — from debt and inadequate protection to uncertainty about retirement. In fact, 15 million working-age people are currently undersaving for retirement.

What are your biggest financial concerns?
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Retirement

43% of working-age people — around 15 million — are undersaving for retirement. *

Debt

Average UK household debt is £67,350, including £8,628 in unsecured consumer debt. **

Protection

Only 41% of families have enough life cover and assets to protect their mortgage and children's future living costs. ***

Wills & Trusts

66% of UK adults don't have an up-to-date will, risking uncertainty over what happens to their estate. ****

Sources: *Second Pensions Commission (2026), **The Money Charity (Mar 2026), ***ABI / Oxford Economics, ****Will Aid (2025)
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Together, we'll focus on three ways to help you move forward towards financial freedom.

Financial
Education

Learn how money works with financial education, plus receive a complimentary eBook.We do not offer financial advice.

Financial
Plan

Receive a no fee personalised financial plan to help you move forward on your financial journey.

Business
Opportunity

Earn an extra income and or build a full time, 6-figure business with franchise style opportunity.

How does that fit with what you're looking to achieve?
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Is your house in

good financial order?

01

Financial Freedom

We will help you to define the future you want and build a clear plan to achieve it.

02

Financial Stability

We will help you to develop strong financial habits that keep your plan on track, even when life gets messy.

03

Financial Protection

We will help you to put the right protection in place so your plan stays secure, even if life throws you a curveball.

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01

What does financial freedom
mean to you?

Financial freedom means different things to different people, from more time with family, or retiring early.
What does it mean to you?

A comfortable retirement needs

£500,000 – £1.2 million in savings.

However, by age 67:

  • 10% are wealthy
  • 15% are financially independent
  • 10% are still working (not by choice)
  • 57% depend on the State Pension
  • Only 8% depend on friends & family
How would you like to retire?
Basic? Comfortable? Luxurious?

State Pension gives £12,000 a year, but you need at least £14,400 just to cover the basics such as housing, food, fuel *.

£70,000 £60,000 £50,000 £40,000 £30,000 £20,000 £10,000 £0 £14,400 £22,400 Basic £31,300 £43,100 Comfortable £43,100 £59,000 Luxurious Single person Couple

Sources: *gov.uk and retirementlivingstandards.org.uk

Make your money

work harder for you

Many fall short financially in the future because their savings and Investments haven't grown enough.

By making smarter financial decisions now, you can bridge the gap between what you'll have and what you'll need.

Is your money working for you?
Who else needs to know this?

Rule of 72

The Rule of 72, used since the 15th century, shows how long it takes your money to double, helping you make smarter decisions for a stronger future.

Years3%6%12%
0 £10,000 £10,000 £10,000
6 £20,000
12 £20,000 £40,000
24 £20,000 £40,000 £160,000
36 £80,000 £640,000
48 £40,000 £160,000 £2.57 million

Don't just save – invest.

Leaving your money in the bank means missing out on potential growth - the stock market has historically returned 10%* a year compared to an average of just 2.6%** in easy-access savings accounts.

Your
money
Traditional
institutions
Global
economy

Sources: *Investopedia, ** Financial Conduct Authority

Example stock market returns

A typical S&P 500 index fund has returned around 10%* annually over the past 25 years.

£5,500 £4,000 £2,000 £0 2000 2004 2008 2012 2016 2020 2024

Always remember however, that investing comes with risks and past performance is no guarantee of future results, and values can go down as well as up.

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02

How stable do your finances feel?

Small, smart changes can turn financial stress into financial stability.

Person budgetingSame desk / piggy bank scene

Which one of these feels most relevant to where you are on your financial journey?

Reduce debts faster with a smarter payment strategy called debt stacking.

Save thousands and cut years off your mortgage with fortnightly payments.

Restructure debt, free up cash, use it smarter, save thousands.

Find extra cash to pay off debt or start investing with our free budget tool.

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03

How well protected is your family if something happens?

Make sure your family's future doesn't depend on chance.

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Family in autumn (one parent)One parent and child — second income lost
Real-life example
£2,000
Monthly income
£2,000
Monthly income

Outgoings

  • Mortgage/Rent
  • Travel Costs
  • Insurance
  • Credit Cards
  • Utilities
  • Groceries
  • Child Care
£3,800 monthly bills
If this happens, what will this family lose?

How Protection Needs Change Over Time

The right plan protects you now and adapts as life changes.

When you’re younger

  • Have less money
  • Kids at home
  • High debt
  • Mortgage to pay

Income loss would be devastating — you need more cover.

When you’re older

  • Have more money
  • Kids are grown
  • Mortgage nearly paid
  • Savings built up

You may need less cover — but more retirement income.

How much protection do you need at this stage in your life?
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Getting the right

Insurance Cover

There are many different types of insurance products which you might consider, and your personal circumstances determine the one that is right for you.

Life Insurance can offer financial support to your dependents if you die unexpectedly.

Critical illness cover pays a one-off lump sum for a limited number of listed conditions and typically ends the policy after a claim.

Serious illness cover pays out based on severity, covers hundreds of conditions, allows multiple claims, and keeps your life and illness cover in place after payout.

Income Protection (IP) Insurance can provide you with support if you find yourself unable to work due to an accident or illness.

Private Medical Insurance (PMI) can support you through illness or emergency situations requiring hospital attention.

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Serious vs Critical Illness Cover

What's the Real Difference?

Critical Illness Cover

Designed for a one-off payout if a specific serious condition occurs.
  • Pays a single lump sum
  • Covers a much smaller list of conditions (around 58 on average)
  • One payment only
  • A claim usually ends the rest of the policy benefits

Serious Illness Cover

Designed to provide ongoing support across a wide range of illnesses.
  • Pays out based on the severity of the condition
  • Covers up to 174 conditions
  • Allows multiple claims over time
  • Life and remaining illness cover stays in place after a payout
What type of illness cover do you have in place?
The importance of

making a Will or Trust

A will ensures your money, home, and belongings go to the right people — and helps protect your loved ones from stress, delays, and legal complications after you're gone.

Learn more in this short video.

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We're

growing fast

We are looking for people to work with us both part time and full time.

Earn in three ways

Up-front

Earn £1,000 to £2,000 per month helping people improve their finances working 6-8 hours a week.

+

Repeat income

Earn repeat income when clients renew key services.

+

6-figure business

Build a team and earn long-term passive income.

Can an extra income help you or people you know?
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What interests you most now?

01Increasing your income
02Getting a free financial plan
03Both
Our

commitment to you

There are no fees or charges for your Financial Game Plan. However, we do ask for your help:

When I return, if I can show you a plan that's better for you in every way - and you are to be the sole judge of that - would there be any reason why we couldn't implement the solutions?
We only have one further request: If you are satisfied with what we do for you, would you refer 10 families just like yourselves, who ought to hear about our company and our concepts?
They, of course, can make up their own minds.
Fair enough?
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Time to build your free Financial Plan

Click to get started
Liabilities
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