Steve Kallika

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 

I have spent more than three decades advising individuals, trusts and business owners through changing markets, legislation and life events, helping them plan with confidence and clarity. As a Chartered Financial Planner and Fellow of the Personal Finance Society, I hold the most respected qualifications within the profession and remain committed to ongoing professional development. I take a holistic approach to financial planning, ensuring advice remains aligned to long-term goals while adapting to complex personal and business needs. Building strong, transparent relationships is central to my work, with client outcomes always the priority.

Outside of work, I enjoy playing golf, keeping fit and tackling home improvement projects.