Chris Barnes

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 originally come from an IT/Project Management background and have worked at Quilter Financial Advisers since 2015 in various departments. I am qualified as a financial planner, having achieved a Diploma for Financial Advisers (DipFA).

I like to dedicate my time and effort on understanding my clients’ personal needs, goals and objectives to ensure I deliver suitably tailored advice to them all. I take pride as a financial planner in helping people to make better decisions and live their life in the way they would like. I like to help and support my clients so that they can plan, protect, and enjoy their life to the full, safe in the knowledge they have my full support in financial matters.

Outside of work I’m a keen hockey player, umpire and coach for Newcastle Medics hockey club, plus I help with the running of the North East hockey league. I enjoy walks, a good book, computer and board games, music, sport (supporting Blackpool FC, Lancashire CC, Newcastle Falcons RU, ST Helens RL and the New York Jets), trains/engineering and history. I have a large range of interests as seen above and come from a family of primarily teachers and police officers.

I hold degrees in Computer Science, Maths, Business Management, Psychology and Politics. I also believe in helping those less fortunate and regularly raise money for different charitable organisations, including Trinity Hospice in Blackpool, MacMillan, Northumbria Blood Bikes and Scarborough Court near Newcastle.