Josh Slade

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 

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.