Andrzej Pawlaczyk

Spend wisely and save smartly

June can be one of the best months of the year with summer well and truly on the way. But with all those holidays, weddings, anniversaries, and other spending, it can also be one of the most expensive too.

While you should be focusing on the present, it’s also important to be aware of how major outlays now can have a significant impact on your financial security in later life. A cashflow model can give you a clear picture of the consequences your spending and saving can have on your future.

It’s also good to know about the ways you can use your tax-free allowances wisely on certain expenditures. For example, your gifting allowances can let you pass on up to £3,000 a year to your loved ones without it being added to the value of your estate.*

Together, we can make a plan to help you live your life to the full now, while still having the retirement you want later on.

Click on the contact me today button at the top of my profile to discuss how I can help you.

*Source: HMRC 

Money is rarely just about numbers - it’s often about life’s most important decisions. My role is to help make those choices clearer, calmer, and more confident for you. Good financial planning starts with understanding the person behind the numbers. I take time to listen and explore what matters most to you - your values, motivations, and relationship with money. This helps you gain clarity and feel more in control of the decisions that shape your future.

I guide clients through milestones that matter most, as well as more complex transitions such as divorce, inheritance planning, and other significant life changes, helping them navigate uncertainty with empathy and care. Every plan we build together is practical, flexible, and tailored to your unique needs - helping your money work for the life you want and giving you peace of mind for the future.

When I’m not planning for the future, I’m co-parenting my two brilliant kids, flying gliders, riding motorcycles, or tackling a marathon (once was enough, thanks!). I meditate too - mostly to survive raising a teenager.