A Two steps approach

Step 1 : The Assessment

The 3Time Project starts with a comprehensive assessment of your current situation; your career, your financial situation, your immediate plans, your long term aspirations and your attitude to change. We will help you consider everything that must be taken into account ahead of attempting significant life change.

  • We create different life and financial scenarios* [including Stress Scenarios] showing the likely impact of stopping or reducing working at different dates and your net wealth at 95 years old.

  • We work out your future life budget.

  • We highlight if there is likely to be any possible period of financial friction.

  •  We emphasise the project’s key parameters so that you can prepare and mitigate against them. 

The 3Time Project analyses all the information and builds a comprehensive report that will put you in a position to make an informed decision.

The report and the subsequent discussion will help you find answers to important questions such as:

  • How will my partner deal with my life change?

  • How will my family view me?

  • Will I be able to meet my family expenses?

  • Will I lose status if I don’t have my current job? Does this matter?

  • How much do I value my colleague relationships?

  • What are the key uncertainties that could impact on my plans and which I must, at least, consider 

The 3Time Project will help you make your plans a reality.

Step 2 : Let's go

Your choice, you've got all the elements in hand. Ready to go? Then let's go

The 3Time Project will help you in the implementation of your decision, whatever that decision is. Should you decide to stop working, to change job, to make the change in five years from now, we will build a change path with the help of our expert network to allow you to make your move as smooth as possible


Our financial simulations* are based on your financial advisors information and state pensions facts. 

3Time Project do not replace your current advisors but we complement them. 

We offer financial guidance. This is different to financial advice. Guidance provides you with information about the various options available to you [for instance we could tell you about the pros and cons], but we will neither recommend any particular option over another. Financial advice, however, informs you which specific product would best suit your needs.

Guidance services are not regulated by the Financial Conduct Authority (FCA). This means if things go wrong with your financial choice, you may not be able to complain to the Financial Ombudsman Service or Financial Services Compensation Scheme.

We provide guidance and directional information and we give no value judgement as to the appropriateness of the decision YOU take

We do not provide : 

  • Any form of financial investment advice

  • Any form of accounting advice

  • Money Advice Consultancy and Support

  • Debt Advice and/or Support such as adjusting or counselling

  • Acceptance of deposits 

  • Effecting or carrying out contracts of insurance 

  • Dealing in securities and contractually based investments 

  • Arranging (bringing about) deals in investments 

  • Making arrangements with a view to transactions in investments 

  • Credit broking 

  • Advising, Managing, Safeguarding and/or administering investments 

  • Providing, arranging or advising on qualifying credit or consumer credit