Josh Slade

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.

With over 20 years’ experience in financial services, I bring deep industry knowledge from working with leading City banks, corporate pension providers, and within the fintech space. This allows me to combine technical expertise with practical, real-world advice that works for you - not just on paper, but in your day-to-day life.

I can help you with:

• Aiming to help grow your wealth through saving and investing
• Planning for retirement and making the most of it
• Protecting you and your loved ones
• Making tax-efficient financial decisions
• Planning for the future of your family and legacy
• Financial advice for business owners and the self-employed

In a world where flexibility matters more than ever, I offer a service that fits around you - whether that’s meeting in person or working together remotely. My aim is always the same: to make financial advice accessible, clear, and genuinely valuable.

I’m proud to be part of Quilter Financial Advisers, backed by Quilter plc - a FTSE 250 company with over 250 years of heritage. This gives my clients the reassurance of strong governance, proven expertise, and access to leading investment specialists.

Outside of work, I enjoy a busy life in the countryside with my husband, along with our one dog and six cats - so there’s never a dull moment. I’m passionate about fitness, enjoy travelling and exploring new places, and have a real interest in current affairs.

I place a strong value on trust, and long-term relationships - and I bring that same mindset into my work with clients. For me, it’s not just about financial advice, it’s about building a partnership that supports you at every stage of your journey.