Robbie Humphries

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.

I help people bring order and confidence to their financial lives.

My focus is always on understanding what matters most to you and ensuring you have a clear picture of your financial position. When you understand where you stand and what your options are, decisions become easier and more confident.

I advise on pensions, investments, protection, retirement planning, inheritance tax considerations and broader financial structuring. Whether you are building wealth, preparing for retirement, protecting your income, or simply getting organised, my role is to simplify the moving parts and help you see the bigger picture.

Clients often tell me they value the clarity and calm approach I bring to conversations that can otherwise feel complex. My aim is to give you confidence in your choices and reassurance that you are on the right path.

Financial advice should feel structured, collaborative and personal. If you are looking for clear guidance and a long-term partner to help you make sense of your finances, I would be delighted to help.