Juhel Ali

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 

After completing my degree in Economics and Business in 2002, I joined Barclays Bank, where I gained extensive experience across several roles, including Branch Manager and Relationship Manager. My time as a Relationship Manager was particularly rewarding, as it developed my passion for long-term financial planning and building trusted client relationships - skills that naturally led me to become a Financial Adviser.

In 2022, I joined St. James’s Place as a Financial Adviser, which has further enhanced my ability to provide comprehensive, client-focused advice. Over the years, my clients have valued my consistent, personalised approach and the reassurance that their financial wellbeing is always my priority.

Outside of work, I enjoy spending time with my immediate and extended family. I have two children - a boy and a girl, who keep me busy, especially as I coach my son’s under-14’s football team. I’m also a passionate Spurs fan but often watch Watford matches too, as they’re close to home.