Reuben Homewood

Aim to maximise your cash savings

It might shock you to know that 28% of people hold their cash in interest-free savings accounts⁽¹⁾, receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.

This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit⁽²⁾. So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.

If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.

¹ Building Societies Association Sept 2024
² The Lang Cat: Cash as an asset class survey June 2024

Cash on deposit advice is not regulated by the Financial Conduct Authority.

The best part about my role? I get to meet new people every day, each with a story to tell, we talk all areas of life and finance over a coffee and then I get to help them chase their dreams and achieve success. I understand however life is not always straight forward, that’s why I take my time to understand you, so I can give you peace of mind when life throws those unexpected events your way.

Finance can be overwhelming, however I aim to simplify and leave you feeling confident and informed. Thats why for me, financial advice is not a quick or transactional process. I give every client the time they deserve as I believe financial planning is more than a 'product' or 'solution' it’s about having someone in your corner and creating a plan that makes you feel confident about your financial circumstances and enables you to achieve your goals. 

I use a four stage process with you at the centre. The process begins with a 'Initial Meet & Greet' where we will get to know each other and provides me an opportunity to understand how I can support you moving forward. We then move to a 'Financial Review' and discover all areas of personal finances to ensure I have the information needed to create a tailored, targeted and tax efficient financial plan which I then present to you. Finally we continually review your plan ensuring its delivering success and when something happens or it no longer fits, we change it together. 

I haven't always been a Financial Planning Consultant, previously I served in the Royal Navy for 11 years spending my time based in Portsmouth onboard Type 45 Destroyers. I have been deployed globally, experienced vast cultures and high stakes environments, which I feel truly makes me dynamic. The highlight of my career was receiving the Kings Commendation for Valuable Service in 2025 following a deployment onboard HMS DIAMOND in 2024. I understand the challenges that service persons face and am keen to improve financial well-being within the service and veteran communities. 

Outside of the professional environment, family is at the core of everything I do. I enjoy long dog walks and exploring new country pubs with my Fiancé and our needy Cockapoo. I am always staying active, so I can enjoy delicious food guilt free and am always looking for the next challenge. 

*Tax planning is not regulated by the Financial Conduct Authority