Reuben Homewood

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 

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