Jamie Lea

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 

People often ask me why I decided to become a financial planner. The honest answer is because I love getting to know people and I enjoy helping people make sense of their finances and feel confident in the decisions they make. Every situation requires a bespoke solution.

People often tell me they feel overwhelmed by their finances. Using my experience as a teacher, I can turn a potentially overwhelming situation into one where you truly understand your options and give you the confidence that you’re on track to achieve your goals.

I follow a similar process with all clients. You, the client, are always at the centre of it all. The solutions and outcomes are what differ from person to person. 
1. I get to know you; what’s important to you and where you see yourself in the future
2. We look at your current provisions to see whether what you already have in place is enough to get you to where you want to go
3. If there is a more efficient way to achieve your goals, we will look at how we can work together moving forward.

Many people I speak to aren’t sure if they’re on track to get to where they want to be financially – or if they are being as tax-efficient as possible. If this sounds like you, I can help.

If you have never looked at your finances before and want some advice on where to get started, I can help guide you through what seems like an impossible maze right now.

Outside of work, I have a beautiful family with two young girls. We like to explore new places and try new things. And apparently, I now like gymnastics (I had no choice in the matter!). In my own time, I enjoy playing football, squash and golf. I’m also lucky enough to be a Wrexham AFC season ticket holder!