Harsha Shivanna

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 

Achieving financial freedom in my early 40s took two decades of disciplined investing across the UK and India. Today, I bring that same dedication to my professional advisory practice.

My background is unique: I hold a first-class Bachelor of Engineering in Computer Science alongside my Diploma in Regulated Financial Planning. Having spent over 15 years as an independent IT consultant and business owner, I understand the financial complexities that busy professionals face, from managing sporadic income to navigating complex compensation structures.

I believe that exceptional financial advice is built on trust, patience, and resilience. By building enduring relationships, I help clients uncover the insights needed to build secure, prosperous futures.

When I am not planning or researching, I value spending my time with family and friends.