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Save it. Spend it. Share it.

A simple framework for complex decisions.

Three stages, one joined-up plan

Financial planning often becomes complicated when decisions are made in isolation. Saving, spending and supporting others are usually treated as separate conversations. In reality, they are closely connected, often happening at the same time.

At Novitas, we use a simple framework to bring clarity.

Save it. Spend it. Share it. - three stages, one joined-up plan.

A clearer way to think about financial planning

Life rarely fits into neat categories. Most people move between saving, spending and sharing over time and often overlap between them.

The value comes from treating it as one system:

  • Not separate decisions
  • Not default approaches
  • But considered choices that work together.

This reflects how we think more broadly. To explore this in more detail, you can read The Novitas Way.

The Novitas way

The Novitas stages

Each stage has a clear purpose, supported by practical decision-making.

1. Save it

Building wealth with structure and intent.

This stage is about more than putting money aside. It is about being clear on what you are building towards and making decisions that support that outcome over time.

We focus on:

  • Defining what ‘enough’ looks like in real terms
  • Understanding timeframes and priorities
  • Taking a practical view of risk - what it means for your life, not just a label
  • Ensuring investments are purposeful, not simply a collection of holdings
  • Reducing avoidable loss through costs, tax (where relevant) and poor timing.

The aim is steady, considered progress, without unnecessary complexity or noise.

2. Spend it

Turning capital into a sustainable, real-world income.

This stage is about creating a system that supports how you live and not a theoretical plan based on averages.

We focus on:

  • Building a cashflow plan that reflects real spending, including one-off costs
  • Structuring withdrawals carefully, including tax considerations where relevant
  • Creating resilience through buffers and sequencing
  • Setting clear decision rules, so actions are not driven by short-term emotion.

People do not experience ‘average returns.’ They experience the order in which things happen. Planning reflects that reality.

3. Share it

Supporting others and planning for the future with clarity.

This stage is about making thoughtful decisions around family support and legacy, while maintaining your own security.

We focus on:

  • Clarity on who receives what, how and when
  • Reducing avoidable complexity and tax friction where relevant
  • Ensuring arrangements are practical and can be carried out when needed
  • Coordinating with other advisers where appropriate.

The aim is to make intentions clear and workable, both now and in the future.

A more considered approach

This framework supports the way we advise and helps avoid the common patterns we see elsewhere:

  • Decisions made in isolation
  • Overly complex strategies that are difficult to maintain
  • Default approaches that do not quite fit the individual.

Instead, we focus on clarity, structure and thoughtful decision-making over time which is:

  • Simple where it should be
  • Detailed where it matters
  • Always joined-up.

4. The overlap years

The overlap years - where most real decisions happen.

In practice, people rarely sit fully in one stage. They move between them, sometimes managing all three at once.

You may be:

  • Continuing to build wealth while beginning to draw from it
  • Supporting family while still planning for your own future
  • Adjusting work or lifestyle without wanting to disrupt long-term plans.

These are often the most important moments and the easiest time for things to become disjointed. Our role is to keep everything connected and to treat your finances as one system – where cashflow, risk, timing and tax (where relevant) work together.

The Financial Conduct Authority does not regulate Tax Planning and Cashflow Planning.

Learn more

If you would like to explore this approach in more detail, you can:

Or, if you would prefer to talk it through, we would be happy to have an initial conversation.

Contact us

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admin@novitaswealth.co.uk

Telephone

01159 771 046

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Novitas Wealth Management Ltd
43b Plains Road

Mapperley
Nottingham

United Kingdom
NG3 5JU

Novitas Wealth Management Ltd is registered in England and Wales. Registered office, Suite 1, Byron Business Centre Duke Street, Hucknall, Nottingham, NG15 7HP.

Novitas Wealth Management Ltd is entered on the FCA Firm Checker https://www.fca.org.uk/consumers/fca-firm-checker. Our Firm Reference Number is 605986.

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A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financialombudsman.org.uk or by contacting them on 0800 0234 567.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK

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