Bhavin Bharadwa

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 

I help individuals and families gain clarity and confidence in their financial decisions, both now and for the future. With over 15 years’ experience in financial services, I bring a balanced approach that combines strong technical expertise with a genuine commitment to building long-term, trusted client relationships.

My background spans a variety of client-facing and leadership roles, giving me a deep understanding of the financial challenges people face at different life stages. I am committed to continuous professional development to ensure my clients benefit from up-to-date knowledge and well-informed advice. This includes completing the Chartered Financial Analyst (CFA) exams, the Certificate in ESG Investing, the Investment Management Certificate (IMC), and most recently the Diploma in Regulated Financial Planning (DipPFS).

As a Financial Planning Consultant, I take the time to understand what matters most to each client and what they want their future to look like. I provide holistic financial planning, helping clients set realistic goals and develop a clear, structured plan to achieve them. My advice covers a broad range of needs, including investments, protection, retirement planning, and estate planning, always tailored to individual circumstances.

Clients value my attentive, detail-oriented approach and my focus on creating plans that are both practical and adaptable as life changes. My aim is to give clients confidence, clarity, and peace of mind, knowing they have a strategy in place to support their long-term financial wellbeing.

Outside of work, I am very family-orientated and enjoy spending time with my young children. Staying active through the gym and a variety of sports, along with my love of travel and discovering new cultures and cuisines, helps keep me energised and balanced. I bring this same enthusiasm and commitment to working with my clients and supporting them on their financial journey