This is the area where we really help people get to grips with individual financial challenges. These meetings are confidential so very powerful. They are designed to get individuals to open up and deal with issues that they may be struggling to understand. These one to ones really bring the whole programme to life for users.

Delegates can bring along any relevant documents and are encouraged to include partners. This is particularly relevant when looking at retirement planning or understanding what might be the best mortgage for their circumstances.

One to ones can be online or (in certain circumstances) face to face.