Angus Stephens

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 

The NHS has been part of my life from a very early age. As a single parent, my mother often brought me to her work at the clinical skills lab at Whipps Cross Hospital, where I gained an early appreciation of the demands placed on hospital doctors.

When I entered financial services, I chose to join a firm that worked exclusively with hospital doctors. Over the years that followed, I supported around 100 NHS consultants and developed a detailed understanding of the financial challenges they face.

If you would value speaking to someone who understands your professional world as well as your NHS pension, I would be happy to have an initial conversation.