Financial clarity. Confident futures.

Expert financial planning to help you navigate your journey — from your first savings plan to retirement and beyond.

At Totally Financial Planning,

we believe that Excellent Financial Planning can change lives. 

It’s a bold claim, but we stand by it.

Those who trust us to help them steward their financial futures have a long-term teammate who truly want to see them succeed. Someone to knows them deeply and will tell the truth, bring objective insight, teach them well, and cheer them on to see them win.

We believe that financial planning is more than just numbers – it’s about building a secure, confident future for you and your family. Our approach is founded on integrity, transparency and deep respect for your individual goals and circumstances.

We act independently, free from the constraints of any provider or product bias. This gives us the flexibility to draw from the entire market and recommend what truly suits your needs — not what’s best for anyone else.



What we do

At Totally Financial Planning, we believe financial advice should be clear, fair and completely transparent. That’s why we keep our pricing simple, upfront and free from surprises.

Financial Planning

Infuse the things that really matter to you with your money. Together, we will create a vision for the future and set a clear plan on how to get there.

Investment Strategy

Managing your investments to fund your financial plan, and bring your money under a long-term, joined-up strategy that builds and maintains wealth with a purpose.  We focus on time-tested strategies for wealth building, underpinned by a robust plan that holds you and your financial wellbeing at the centre.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Ongoing Accountability

A life well-lived doesn’t happen by accident. You’ve put in the work to craft a financial plan, now it’s time to stick to it through the unexpected, messy journey that we call life. We will help you to regularly review, to ensure your financial plan remains relevant as life changes.

What we don't do

We don’t jump on the latest bandwagon for investing. We don’t try and chase what’s hot, or build your financial future on a bubble waiting to pop. 

We don’t make predictions about the future, or try to out-smart uncertainty and time the markets. 

We don’t give advice without a plan or without knowing you and your goals deeply.

Our Process

We follow a four-step process to help you on your financial journey:

1. Learn About You

We begin with an initial, no-obligation meeting to understand your background, goals and what you hope to achieve. This is a chance for both of us to see if we’re a good fit.

2. Plan With You

Once we understand your objectives, we design a bespoke financial strategy. We consider your current position, future aspirations, risk comfort and timeline — then craft a plan tailored just for you.

3. Implement For You

With your agreement, we put the plan into action. That could involve setting up investments, arranging pensions or protection, re-structuring savings — whatever is needed to align with your goals.

4. Track together

Life changes — and so do financial markets. We periodically review your plan, assess its suitability, and adapt as required to keep you on track toward your financial aims.

Meet Your Advisers

Financial planning is personal — so we believe your advisers should be too. Joel and Phil bring complementary skills and shared values to help clients feel supported, informed and confident.

DipFA

MLIBF

Phil Chapman

Managing Director

Phil Chapman

Since qualifying as an Independent Financial Adviser in 1994, Phil has passionately supported families across Leicestershire, and often much further afield, on their journey towards achieving their financial ambitions. With over three decades of experience, his commitment to helping clients build secure financial futures is unwavering.

As Managing Director of Totally Financial Planning Ltd, Phil nowadays focuses on providing strategic direction and oversight to the company. Phil says ‘almost every client we have today has found us by word-of-mouth recommendation. The trust our clients have placed in us is very special and is not taken for granted. Maintaining this very personal feel as the company grows and develops is of paramount importance to me.’

With an eye to the future, Phil welcomed Joel Stevens into the firm in 2019, handing over the responsibility of taking on new clients while he focuses on maintaining existing client relationships and ongoing business oversight.

APFS

Joel Stevens

Chartered Financial Planner

Joel Stevens

Starting his financial advice career nearly ten years ago, Joel has come to love helping families manage their money and use their wealth well to live an excellent life.

A Chartered Financial Planner, Joel simplifies complex financial matters into clear, practical plans. 

His aim for all clients is to instil confidence that they are doing all they can to prepare wisely and diligently for tomorrow while living today to the full.

Both Phil & Joel are members of the Association of Christian Financial Advisers

Costs

At Totally Financial Planning, we believe financial advice should be clear, fair and completely transparent. That’s why we keep our pricing simple, upfront and free from surprises.

No Charges Until We Agree Together

Your initial conversations with us, including the first meeting and getting to understand your particular requirements, are provided at our own expense and without obligation. We want you to feel confident, comfortable and informed before making any commitment.

Straightforward & Transparent Fees

We offer a transparent fee structure that reflects the work involved and the level of support you choose. All fees are discussed openly beforehand, so you always know exactly what you’re paying for and why.

No Hidden Costs. No Unexpected Extras.

We never add charges behind the scenes or change our fees without discussing them first. If a product or provider carries its own cost (such as a fund or platform fee), we’ll explain how it works and how it affects you. Our priority is helping you make informed decisions with confidence.

Get in touch to arrange an introductory chat — no obligation, no pressure.

Ready to take control of your financial future?

We look forward to helping you plan with clarity, confidence and peace of mind.

Get in Touch