Joshua Magrath

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 

In working towards becoming a qualified financial adviser, I have obtained the CII Level 4 Diploma in Regulated Financial Planning after passing a series of examinations, with focus on areas such as investments, pensions, protection and personal taxation.

As a financial adviser I enjoy building meaningful relationships where I am able to develop a deep understanding of my clients’ circumstances and objectives, on a personal and financial level, which massively helps in providing value on a bespoke basis.

I like to work with clients on an ongoing basis, being able to support them every step of the journey, through life’s twists and turns and making complex situations as simple and accessible as possible.

In my spare time I enjoy an array of sports, including playing golf at my home club, Royal Cinque Ports GC, playing football for Old Ardinians FC and have run a couple of marathons in the last couple of years.