Max Stern-Dawson

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 

My greatest source of pride comes from building meaningful, long-term relationships with clients. I enjoy taking what can often feel complex or overwhelming and turning it into something clear, structured and easy to act on, so clients feel confident about the decisions they’re making.

I typically support clients with areas such as investing, retirement planning and protection, but the starting point is always understanding what matters most to them. From there, we build a plan that is practical, flexible and designed to evolve over time.

Outside of my role, I serve in the Honourable Artillery Company as an Army Reservist. I’m also a keen sportsman, playing rugby regularly, and I enjoy spending time outdoors, particularly sailing and running.