James Henry

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 

Well, you’ve come this far and the next step is just a small one that requires no commitment or fee. It begins with a conversation where the main topic is you, so you are already well prepared. Beyond getting to know each other, we’ll also discuss potential next steps to ensuring you feel fully in control of, and confident about, your financial future.

When you are ready, reach out using whichever communication method shown above you prefer. I look forward to hearing from you.

In case you were wondering; outside of work you will usually find me standing in the rain, wondering why the dog is refusing to move.