Jacky Richardson

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 have over 20 years of industry experience, including working for one of South Africa’s largest financial service providers, where I supported over 250 clients across all wealth levels. I believe financial planning is for everyone - no matter the size of their savings or pension.

My holistic approach focuses on individuals and families, empowering them through education to set clear priorities, build confidence, and achieve their financial goals with a deeper understanding of their overall financial picture. I’m passionate about helping individuals and families of all wealth levels make informed decisions, mitigate overpaying tax through efficient strategies, and build confidence in their financial future.

My focus is on education, clarity, and empowering clients to achieve lasting financial wellbeing.