Oscar Harrington

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 

To me, financial planning is all about building long-term relationships founded on trust, transparency, and consistency. I’m passionate about helping people achieve financial freedom by delivering value that goes far beyond just investment performance. Every client’s journey is unique, and I believe clear communication is key to tailoring the right plan.

Outside of work, I’m a keen sportsman whether watching or playing - particularly rugby and hockey (but will chat about any sport!). I also love countryside walks with the dog, and really enjoy cooking for friends and family.