Phil Aspden - Octopus Moneycoach
Hi, I'm Phil!
Let's feel good about money
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4.9 out of 5 on VouchedFor
"There’s still a stigma attached to talking about money, so I love working with clients to break down these fears and provide a safe environment for them to discuss their finances without fear of judgement"

Friendly, 1-to-1 help with all your financial goals

We're backed by the game-changing Octopus group

A certified
B Corp

by the FCA

A member of the Personal Finance Society

And our coach training is accredited by LIBF and IFW

What my clients say

Get to know your coach…

I spent over 20 years working as an information specialist in the UK and Africa, before becoming part of the online learning revolution at the turn of the Millennium – setting up some of the first computer-based learning centres and eventually managing over £80m of government funding. I subsequently set up a successful organisational development consultancy where I developed my love of coaching, working closely with many senior executives.

I was initially attracted to financial coaching because I have been very fortunate to receive help managing and planning my finances over the years, which has put me in a comfortable position financially. As a business owner I’ve also seen first-hand how greater financial literacy has helped my employees wellbeing and overall health, and allowed them to be happier in their work.

There’s still a stigma attached to talking about money, so I love working with clients to break down these fears and provide a safe environment for them to discuss their finances without fear of judgement. I often break the ice with one of my own money stories – back in the 1980s people told me I was “daft” to pay £18k for a small house in a trendy Manchester suburb. I ended up selling it for £60k 5 years later! I don’t get it right every time but it’s a fantastic feeling when your due diligence and thorough financial planning pays off.

My coaching style places a great emphasis on developing genuine empathy for my clients and their situations, whether they are deciding how best to invest a windfall, or worried about paying off their credit cards. I give them a safe space to consider their options from all angles, showcasing different scenarios. Many things we discuss have more than just financial considerations, so I like to take an holistic approach to financial planning, factoring in my client’s personal circumstances and lifestyle preferences.

Away from work I’m an avid reader. In particular, I love anything by John Steinbeck. He’s a master of descriptive prose and has an incredible way of perceiving the human condition. If I had to choose only one of his books, it would be East of Eden. I couldn’t recommend it more highly!

We’ve got people talking

Here’s how it works

Book a time to meet your coach

Tell your coach about your big goals and any money questions in a free starter session.

Decide if it’s right for you

There’s no obligation after your first session. Take your time and decide if it’s right for you.


Get a fully customised financial plan from your coach

Once you sign up, your coach will start building a full plan designed around your goals – that covers everything from budgeting to saving, mortgages to pensions.


Get ongoing support when you need it

You and your coach will catch-up every 3 months to see how you’re getting on – and you can message them as often as you need in between.


Get free introductions to specialists who can help

Ever struggled to find the right money person to talk to? If there’s something we can’t help with, we’ll connect you to best people for you.


Achieve your goals!

We’ll be the first ones to celebrate with you as you reach your money goals.

Get your own money plan

See how our coaches create custom money plans with recommendations completely tailored for you.

Ready to see what’s possible with your money?

Your first session with me is completely free.

We’ll discuss your goals.
I’ll share some initial tips and tricks.
Then, I’ll explain how the full service works.