Liam Cloughton

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.

My career has been focused on the Financial Services sector for nearly two decades, with the majority of that time spent building strategic relationships. This experience has helped me focus on delivering personalised advice that supports clients in making informed decisions and achieving both their financial and personal goals.

I work closely with my clients to support them with:

Protecting you and your loved ones financially
Planning for a comfortable and secure retirement
Reviewing savings and long‑term financial investments
Supporting estate and legacy planning

Outside of work, I’m a husband, a father, and a proud family man. I enjoy discovering new foods, family days out, experimenting with nutrition, and diving into podcasts that spark curiosity and fresh ideas.

Everyone is different, and that’s something I value. If there’s anything that would help you feel more comfortable or supported, just let me know - I’m always happy to tailor meetings and communication styles so you feel fully understood.