Manit Prasad

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 journey in financial services began over two decades ago and has taken me from banking and investment management roles in Sydney and London to becoming a fully qualified Financial Adviser with Quilter Financial Advisers. That breadth of experience has given me a deep understanding of the financial world and the many ways it can both empower and overwhelm people.

I’m passionate about helping clients gain clarity, structure, and peace of mind around their finances. Whether it's helping a family plan for their future, supporting a business owner through key financial decisions, or guiding a professional towards a more tax-efficient retirement, I work collaboratively with each client to build a tailored plan that reflects their goals and values. My approach is friendly and pragmatic. I believe financial advice should be personal and accessible - not filled with jargon and that long-term planning is most effective when built on trust and understanding.

I offer advice across all areas of financial planning, including investments, retirement, protection, estate planning, and mortgages. I hold a Level 4 Diploma in Regulated Financial Planning, and the Certificate in Mortgage Advice, from the Chartered Insurance Institute. Further to this I hold a Bachelor of Economics Degree from Macquarie University in Sydney and the Investment Management Certificate (IMC).

I’m based in North West London, where I live with my wife and two children. Outside of work, I enjoy keeping active, which helps trying to keep up my two rapidly growing children, and contributing to our local primary school as a governor