Poreia | The Path Forward
For those who've built something real, and want more from it

You've built a career. A profession. A business. So why doesn't it feel like the life you actually want?

You've done the "right things." Built something real: a portfolio, a business, a career. And yet you still can't work out how it all adds up to the life you want as your aspirations change.
I was that person. I found a way through. I want to help you do the same.

Prefer the full picture? Start free with the Clarity Framework →
— Richard Hand, chartered accountant, built a business over nine years. My story →

How long will your money last?

Free, and your number appears straight away. No email needed to see it.

Start where you are

Which of these sounds like you?

I've been made redundant, or I expect to beSee how long your money lasts and what to sort first.Redundancy Runway Calculator → I'm selling a business, or I have sold oneSee a rough sustainable income from what you will hold.Sale Proceeds Calculator → I'm planning to stop working, or slow downPull everything into one honest picture, in 20 minutes.Clarity Framework →
Free tools

Two quick numbers,
before you decide anything.

Two free calculators. Answer a few questions and get a rough number in under a minute. You see your result first, no sign-up needed.

⏳
How long will your redundancy last?
Put in your payout and your monthly spending to see your runway, in months or in years and months.
Try the Redundancy Runway Calculator →
🏡
Is your business sale enough to retire on?
Put in your net proceeds, your savings and the income you want, to see a rough sustainable income each year.
Try the Sale Proceeds Calculator →
The story behind Poreia

I did all the
"right things."
And still felt exposed.

I grew up working class. First in my family to go to university. I qualified as an accountant and spent years advising some of the UK's biggest financial institutions.

The career came at a cost. Too much travel, and a life balance that had gone. So I left and started my own business.

The business created a different version of the same problem. A decade of creditors, cash crises and lying awake at three in the morning.

I had done the "right things", and I still could not see how it all added up to security.

At fifty, something shifted. I didn't want to keep running harder. I wanted the life I'd been building toward to actually start.

"When I finally built the framework, a complete, honest picture of where I was and exactly what to do next, everything changed. That's what Poreia exists to give you."

Read the full story

Start the journey for free.

Everything below takes 20 to 30 minutes and costs nothing.

Start free with the Clarity Framework →
Part of something

You're in good company.

Most people only look at their numbers when they are forced to. You looked early. That is the hard part done.

How Poreia helps. Practical tools and a clear framework, so you know what to do first and what can wait. If time is short, they help you avoid costly mistakes fast. If you have time, they help you use it well.

Self-serve. No sales call. Education, not regulated advice.

Start the free Clarity Framework
The Poreia Clarity Framework

Your personal financial plan.
Built by you. For you.

A structured, guided self-assessment that takes you from vague frustration to a clear, personalised Clarity Plan. Free. No sales call. No obligation.

🔍
See the full picture
Most people have never pulled their assets, pensions, business equity, and liabilities into one honest picture. We do that first. The clarity alone tends to be immediately useful.
⚡
Find the gaps
Pension funds in costly defaults. Cash sitting idle. Money leaving your business in the most expensive way possible. This is where most people find the biggest surprises.
🎯
Three things to do first
Not a list of twenty recommendations. Three. Specific, prioritised, and personal to your situation. That's what creates momentum rather than overwhelm.
67%
of business owners say they feel trapped by their own business
Not because they failed. Because the business they built no longer fits the life they want. If that's you, you're in the majority, not the exception.
£26bn
in lost or unclaimed pension pots sitting forgotten in the UK
The average lost pot is worth over £9,000. Many people have several from different employers and have simply lost track. Entirely recoverable.
72%
of UK pension savers have never changed their default fund
Default funds can cost you 1–2% in real returns per year versus a simple index fund. On £150k over 10 years, that's £30,000–£47,000. Fixable in 20 minutes online.

The path forward starts
with an honest picture.

The Poreia Clarity Framework takes around 20 to 30 minutes. You'll have a personalised plan at the end. Free. It might be the most useful half hour you spend on your finances this year.