Joanne Hobson

Aim to maximise your cash savings

It might shock you to know that 28% of people hold their cash in interest-free savings accounts⁽¹⁾, receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.

This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit⁽²⁾. So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.

If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.

¹ Building Societies Association Sept 2024
² The Lang Cat: Cash as an asset class survey June 2024

Cash on deposit advice is not regulated by the Financial Conduct Authority.

Since graduating from university in 2003, I’ve built a fulfilling career in financial services. I began as a mortgage and protection adviser, then progressed to becoming a Financial Planning Consultant in 2009. Over the years, I’ve had the privilege of working with a wide range of clients - including families, business owners, company directors, and individuals approaching or enjoying retirement.

I believe financial planning should feel empowering, not overwhelming. That’s why my approach is friendly, honest, and down-to-earth. I explain everything clearly, avoiding jargon, and work closely with you to develop a straightforward, personalised plan that evolves with your life. I support clients in a variety of life stages and financial scenarios, such as:

• Families building wealth for the future
• Newly promoted professionals wanting to grow their finances wisely
• Business owners and directors looking for efficient profit extraction
• Individuals managing inheritances or planning for care fees
• Employers dealing with auto-enrolment and workplace pension duties

Every client is different, so I tailor my advice to reflect your values, circumstances, and goals. Whether you're focused on securing your family’s future, planning a business exit, or preparing for later-life care, I use tools like cashflow forecasting to help you make clear, confident decisions. More than just technical expertise, I aim to offer long-term support and peace of mind - helping you stay on track, whatever life brings.

I offer expert advice across the full spectrum of financial planning. My areas of focus include:

• Pensions and investments
• Tax-efficient strategies
• Business financial planning including auto-enrolment guidance
• Mortgages and protection