Permission to Spend Planning
Part of our Bespoke Legacy & Lifestyle Wealth Planning approach, this service helps you understand exactly how much of your wealth you can safely enjoy, without compromising your future security or your family’s legacy.
How Do You Know If You Can Afford to Spend More?
You can afford to spend more when you have a clear financial plan that models your income, investments and future needs.
At Blazer Financial, we use detailed cashflow forecasting to show how much you can safely spend throughout your lifetime, while still supporting your long-term security and future legacy.
When you understand what is possible, uncertainty is replaced with clarity.
The Risk of Never Enjoying Your Wealth
Many people spend decades building wealth, only to become increasingly cautious when it comes time to use it.
One simple truth often goes unaddressed:
There is no guarantee we will spend all the wealth we accumulate.
The fear of running out can lead to underspending, missed experiences, and a life lived more conservatively than necessary.
The result is often wealth that was carefully built, but never fully used.
We believe your money should support your life, not limit it.
A Smarter Way to Use Your Wealth
Traditional Wealth Planning
- Focuses on preserving wealth at all costs
- Encourages cautious, minimal spending
- Leaves uncertainty around “how much is safe”
- Often results in unused wealth
Permission to Spend Planning
- Defines exactly how much you can safely spend
- Uses data-driven financial modelling
- Builds confidence to enjoy your lifestyle
- Balances spending, security, and legacy
How We Help You Live Your Wealth
Step 1: Understand What Matters Most
We begin by understanding your values, your lifestyle goals and what you want your wealth to support, both now and in the future.
Step 2: Build a Clear Financial Model
Using detailed cashflow forecasting, we model your income, investments, pensions and future plans to create a clear picture of your financial position over time.
Step 3: Define Your Sustainable Spending Level
We calculate how much you can spend each year with confidence, ensuring your lifestyle is supported without compromising long-term security or legacy plans.
Step 4: Keep the Plan Aligned
As your life evolves, your plan evolves with you, ensuring your strategy remains aligned with your goals, your circumstances and changing conditions.
Who Is Permission to Spend Planning For?
This service is designed for individuals who:
- Have built significant wealth or assets
- Are approaching or in retirement
- Feel unsure about how much they can safely spend
- Want to enjoy their lifestyle without financial anxiety
- Still want to support their family or leave a legacy
- Want clarity around how to balance lifestyle, security and legacy
What This Really Gives You
Permission to Spend Planning is not just about numbers. It is about clarity and confidence.
When you understand what is possible, you can make decisions with intention rather than hesitation.
It allows you to:
- Travel and enjoy experiences without second guessing
- Support your family at the right time
- Make meaningful lifestyle decisions with confidence
- Stop worrying about future uncertainty
- Fully enjoy the wealth you have built
Frequently Asked Questions
Q: What is permission to spend planning?
It is a financial planning approach that calculates how much of your wealth you can safely use during your lifetime without risking your long-term financial security.
Q: Can I spend more and still leave an inheritance?
Yes. With the right financial modelling, it’s possible to balance enjoying your wealth now while still leaving a meaningful legacy.
Q: Why is this different from traditional planning?
Because it starts with your life, not just your finances. By defining what matters first, we can build a plan that supports both your lifestyle today and your long-term legacy.
Q: Is this only for retirees?
No. It is also valuable for those approaching retirement or anyone with significant assets who wants clarity around spending.