Carlos Perez

Aim to maximise your cash savings

It might shock you to know that 28% of people hold their cash in interest-free savings accounts⁽¹⁾, receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.

This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit⁽²⁾. So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.

If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.

¹ Building Societies Association Sept 2024
² The Lang Cat: Cash as an asset class survey June 2024

Cash on deposit advice is not regulated by the Financial Conduct Authority.

Originally from Venezuela, I’ve always had a deep connection to the UK, rooted in my British heritage through my grandfather. My passion for the culture and opportunities brought me here, where I pursued an MBA and worked in the hospitality industry as a chef, manager and business consultant.

This unique journey has given me invaluable experience in client service by creating tailored solutions to meet individual and business needs. Helping others has always been a natural calling for me. I find immense fulfilment in supporting family, friends, and colleagues to achieve better outcomes - whether by offering advice, listening during challenging times, or simply being a reliable point of reference. Financial planning allows me to extend this passion to my clients, helping them navigate complex decisions with trust and clear communication. I approach financial planning much like a personal trainer - providing guidance, encouragement, and a structured plan to help clients achieve their goals. I find great satisfaction in empowering individuals to see things differently and take charge of their financial futures with confidence.

Outside of work, my love for cooking remains strong, exploring new cuisines and cultures through travel is a constant source of inspiration for me. I also enjoy staying active and working out, which helps me connect with clients who value a balanced and fulfilling lifestyle.