Ronald Wares

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 

Once upon a time, I use to work in property and in sales. However after nearly 2 years, I realised I wanted to pursue something more fulfilling that allowed me to help people. Whether it be families, businesses or working professionals, I wanted to offer a service in which I could offer help, which I wasn't getting. After talking with my mentors, I realised I wanted to be a financial planner.

I understand the need to prepare for every situation and the desire to put your loved ones, your business or yourself in a better position. Which gives me the sense of fulfilment with what I do. At times financial planning can seem stressful and complicated, which is why I try to explain things as if I am talking to myself when I first started. So that my clients can be informed and feel confident in the decisions that they are making because of how well they understand it.

This extends beyond work, as I aim to help people in my personal time volunteering for things such as be staff at a youth group or leading a men's group. As for myself, I enjoy quiet hobbies like reading and journalling, sometimes I play the guitar and sing to myself. One thing I plan to do one day is write a book.