Jacques Sheppard

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 

It is my belief that financial freedom creates a better world around us. When we are financially free, we gain the confidence to pursue opportunities that we might otherwise avoid. This could mean building a business, transitioning into a new career, or simply having the extra funds to invest in something that enhances life. The possibilities are limitless, but the fact remains; when people are not held back by financial worries, their time and money become unlocked. This enables them to be more generous, spend more time with their families, build communities, and create opportunities for themselves and others. This belief drives my passion for helping clients and providing a service that I truly believe is a force for good in the world.

I came to financial planning after spending 13 years of service as a Combat Medic in the British Army. This experience provided me with a unique perspective on what it takes to achieve success. Working alongside dedicated, intelligent individuals, I learned the importance of discipline, adaptability, and resilience. These values have shaped my approach to financial planning, where I combine meticulous preparation with the ability to adjust to life’s inevitable changes. As a medic, I also developed a deep understanding of human behaviour and empathy - skills I now use to connect with clients on a personal level, understanding their needs, aspirations, and challenges.

My focus is on building strong, lasting relationships with my clients, where their success is my success. I am committed to providing the support and guidance they need to achieve their financial goals.

Outside of work, you will often find me on a tennis court or in the kitchen experimenting with Asian inspired dishes. I live in Ewell and advise clients in various districts and boroughs of Surrey and surrounding areas.