Owen Madlin

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 have over a decade of experience in financial services, covering both client-facing and analytical roles, which gives me a deep understanding of the entire client experience.

My passion for helping people led me to become an adviser, as I believe finances impact every part of life and can often be overwhelming. I pride myself on simplifying the advice process in an often jargon-filled industry, ensuring my clients feel supported and confident that their best interests are my priority.

Outside of work, I enjoy time with my wife Katie, daughter Ruby, and our dog Nacho. I'm a self-proclaimed nerd who loves reading, video games, tabletop games, and cheering on the Minnesota Vikings.