Rachael Lynch

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 

Many people think that finance is all about numbers. How much a client has, how much they want to invest, what the rate of return is that they're seeing on those investments… But my clients and I don't just talk about numbers. We talk about life goals. About aspirations. About their joy when life is going their way, or their concern when things are going wrong.

My clients talk to me about their families, their hopes for the future, the car they want to buy, the holidays they dream of going on. And then, together, we formulate a financial plan to give them the best possible chance of making those dreams a reality. As a Financial Planning Consultant, I deliver so much more than calculations and a spreadsheet. I build financial strategies to support clients' life goals, to protect their assets through the bad times, and to build wealth through the good.

I’ll also guide clients through estate planning and show them how they can pass on everything they’ve worked for in the most tax efficient way possible. Of course, if they simply want to consolidate their pensions or invest their money in products such as stocks and shares ISAs with a truly superb FTSE250 company, I can do that too. It really is up to them – and to you. Because when it comes to financial planning, it’s never a case of one size fits all. It’s about creating a bespoke strategy in line with each individual’s goals, hopes and dreams. Let’s start the journey and talk about yours.