Nick Tate

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 

I first became interested in financial advice after helping a colleague with their finances whilst serving in the Navy. Seeing the difference it made — and the weight it lifted — made me think how valuable good advice can be. I don’t believe financial advice should feel formal or transactional. It should be a conversation — understanding what matters to you, what you’re working towards and what concerns you might have — then building a plan around that.

Financial planning is about more than just investments. Life events such as illness, injury or loss can have a huge impact and having the right plans in place means you can focus on what really matters, without added financial stress. I also understand that finance is something many people put off as it can feel complex or overwhelming. My role is to simplify things, give you clarity and help you feel in control of your finances.

How I work

I follow a clear, structured process:

• We start with an initial conversation to understand your situation and goals
• Then build a full picture of your finances
• I create a tailored, tax-efficient plan based on your needs
• We review it together and keep it updated as your life evolves

I’m happy to work remotely, but I also value face-to-face meetings where possible.

Alongside my time in the Royal Navy (now continuing as a reservist), I’ve also worked as a self-employed property developer, bringing practical, real-world experience of managing risk, cashflow and long-term financial decisions.

Family is a big driver for me. Outside of work, I spend my time with my wife and young daughter whether that’s days out or enjoying the countryside with our ‘lively’ Cocker Spaniel. I’m also a keen hockey player and enjoy watching rugby.