Simon Hamilton

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 am a financial planner, focused on helping individuals and families make confident, well-structured decisions about their money in a down-to-earth, straightforward way. With the right plan in place, many people can achieve more than they initially expect—not just financially, but in the life their money supports.

After more than a decade working in the beer industry, I transitioned into financial advice, driven by a long-standing interest in how thoughtful financial planning can shape both wealth and quality of life. My background has given me a strong appreciation for building relationships, understanding people’s individual circumstances and delivering a high standard of personal service.

I work with clients who value clarity, organisation and a considered approach to managing their finances. This includes support with investment strategy, retirement planning and broader financial decisions, always aligned to what matters most to them.

My approach is centred on long-term relationships and a clear understanding of each client’s priorities, values and ambitions. I believe good financial advice should simplify complexity, bring structure to decision-making and give clients confidence about the future.

Having travelled to over 50 countries, I bring a broad perspective and a natural curiosity about people’s lives, experiences and goals. This helps me connect with clients from a wide range of backgrounds and understand the different paths that shape financial decisions.

Outside of work, I enjoy spending time with my young family, exploring our local area by bike or planning our next trip away in the van.

I am also an on-call firefighter with the Scottish Fire and Rescue Service, which I value for its teamwork, practical challenges and the opportunity to contribute to the community.