Emma Knights and Lukas Spyurou
Qualified Independent financial advisers.We’re Emma and Lukas and we’re here to guide you through the process of navigating your finances. You won’t go away scratching your head with our no-nonsense approach.
Think of us like travel guides. When you go on holiday you find yourself an expert so you can see the best things and squeeze every last drop out of the time you have available.
Rather than showing you secret beaches, the perfect view of the city or the tastiest local food, we will show you how to set attainable goals and build the confidence to achieve them.
Every part of life is a journey, including your finances. No matter what your destination, you want to have fun getting there.


Why Explore Your Finances?
We don’t know how much money you have put aside or how well you are prepared for retirement but the statistics around pensions are rather eye-opening!
It is reported that around 15 million people, or a third of all workers, in the UK are not saving towards their retirement. This is despite the fact that the state pension is not enough to maintain the living standards of most people. (The Independent)
The UK’s average pension pot stands at just £42,651. This figure makes up just 18% of the recommended total of £237,000 for those retiring at 67. (Finder.com)
While these statistics may not relate directly to you, it does highlight just how many people are unprepared for their future – let alone the future they dream of!
Why Explore Your Finances?
I don’t know how much money you have put aside or how well you are prepared for retirement but the statistics around pensions are rather eye-opening!
It is reported that around 15 million people, or a third of all workers, are not saving towards their retirement. This is despite the fact that the state pension is not enough to maintain the living standards of most people. (The Independent)
The UK’s average pension pot stands at just £42,651. This figure makes up just 18% of the recommended total of £237,000 for those retiring at 67. (Finder.com)
While these statistics may not relate directly to you, it does highlight just how many people are unprepared for their future – let alone the future they dream of!

Qualified to Comment
The Money Compass was brought to life by Emma Knights and Lukas Spyrou. They want to make sure you are prepared for your future. Retirement may seem like a big, overwhelming thing to plan for. If you start early enough, and with the right guidance, you can get an achievable roadmap in place.
Emma and Lukas have over 15 years’ experience working in the financial services. They are the new generation of Financial Consultants at the successful independent financial advice firm, Face to Face Finance, based in Norfolk, UK.
They travel the breadth of the country to give tailored financial advice.

How The Money Compass Can Help You

Online Community
We have a friendly Facebook Group which is full of tips and tricks on how to take control of your fianances.
Why not come and join in the conversation?

The Money Compass Podcast
The Money Compass Podcast is full of financial chat for both individuals and business owners, no matter what stage of life you are at. Helping you to get to grips with your finances in both a personal and business sense.

Face to Face Finance
If you’re looking for some regulated advice, head over to Face to Face Finance.
Want to work with Emma or Lukas personally 1-1, and receive tailored financial advice? Face to Face Finance offers truly independent financial advice, in all areas of finances.