Paul Vickers

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’m Paul Vickers, a financial adviser with a passion for helping individuals and families manage their wealth, plan for the future, and protect their financial well-being.

My areas of expertise include wealth and managing investments, pension planning, savings strategies, protection, and general insurance. My goal is to take the complexity out of financial planning and give my clients clarity and peace of mind. I help clients grow and protect their assets. I create personalised investment strategies that align with each client’s risk tolerance, time horizon, and financial goals. Whether a client is looking to build wealth over time or preserve their capital, I work diligently to ensure their investment portfolios are tailored to meet their needs.

My approach is rooted in sound analysis and a deep understanding of market trends, which enables me to guide clients through both favourable and challenging economic conditions. Pension planning is another key area of my practice. I understand how important it is for individuals to feel secure about their retirement, so I work closely with my clients to develop strategies that maximize their pension contributions while optimising tax efficiency. Whether they’re just starting out in their careers or approaching retirement, I offer tailored advice to help them achieve a comfortable and worry-free future.

In addition to wealth management and pension planning, I also provide guidance on savings strategies and protection. I help clients build financial safety nets through well-structured savings plans, ensuring they’re prepared for both short and long-term needs.

My expertise in protection strategies, including life insurance, critical illness cover, and general insurance, ensures that my clients and their assets are safeguarded against life’s uncertainties.

Outside of work I enjoy spending time with my family and playing sport-mainly cricket and hockey. The latter I have been fortunate enough to be selected for Wales masters and play indoor and outdoor world cups, travelling as far as Auckland in the process!