Hello. I’m Tom Gosling.

I’m a qualified actuary and former financial coach. I had a successful professional career spanning 20+ years, most recently as a senior partner at PwC where I established and led the firm’s executive pay practice.

I decided to leave the firm at 50 to live a life of greater freedom and variety, and to spend my time on things I love: being with family and friends; playing tennis and cycling; contributing to my local community; building a portfolio of professional work in executive coaching and responsible business.

This didn’t happen overnight but was the culmination of a long-term plan for financial freedom. I now want to share my experiences so that you too can use the success you’ve earned to live the life you want to lead.

I launched a financial coaching business after I left PwC, but I enjoyed my  academic career more and so now focus on that. So it doesn’t go to waste I’m preserving the material I developed as a free resource on this site. This draws on the previous methods used with clients when I was a financial coach and is not regulated financial advice. I’m not updating this website anymore so some of the information may be out of date – you should take advice before taking decisions.

Where to start

Explore the Life Stages and Factors using the menus at the top of the page to get a sense of what’s most relevant to you.

You can then look through the blog, which goes into more depth on specific issues, organised under headings for each of the six financial freedom factors.

If you’d rather see all my work in one place you can download my Life Factor E-Book.

I am no longer taking clients for financial coaching.  But if you have any questions regarding the information on the site, please get in touch through my other website and I might get back to you!

The six financial freedom factors

Achieving financial freedom isn’t complicated, but it is difficult. As a successful professional you have all the skills and resources that you need. But most of us need help to put the pieces together in the right way and to challenge our assumptions. This is why I call it The Gosling Factor — an online resource drawing on my professional and financial coaching experience to help you multiply your own capabilities and knowledge.

For most successful professionals, financial freedom requires alignment of six factors. There’s a video and introduction behind each of the six links below.

What does money mean to you?

How should you provide for your children and family?

Where are you heading and how do you get there?