Graham Featherston

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 

After working for many years in an employed role, I decided to make the move into self-employment as a financial adviser. As mentioned, I have advised both as an independent advisor (IA) and a restricted advisor (RA), as I am now with Quilter Financial Advisers. I do feel the distinction between the two is sometimes misunderstood. For me, as an RA I have selected to partner with Quilter Financial Advisers Ltd who are part of Quilter, a FTSE 250 company, as they do all of the appropriate due diligence for me in selecting appropriate investment partners for my clients - they specialise in creating and managing multi-asset investment portfolios, and also managing their own funds, which for me provide ideal solutions for my clients. The support that Quilter provides to both me and my clients is exemplary.

I offer holistic financial advice with a personal service and an ongoing relationship built on trust. I help my clients meet their goals and objectives by undertaking regular reviews. With over 40 years’ experience in financial services, I have a genuine interest in my clients personal and financial situation, and I always ensure I have the time to properly look after all of my clients. I also believe that through those 40 plus years I bring valuable life experience which I can share with my clients.

Outside of work my wife and two daughters enjoy riding their two horses, while I much prefer long walks with eight year old Golden Retriever Monty, as well as playing the drums, piano and guitar.