Sue Barnes

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’m a Financial Planning Consultant based in Cornwall, with strong ties to Wiltshire and Hampshire. I hold a BA (Hons) in Business Enterprise and professional qualifications from the London Institute of Banking & Finance, including the DipFA, CeMAP, and CeRGI. With over 35 years’ experience as a customer-facing professional, I pride myself on being empathetic, approachable, and genuinely interested in my clients’ stories. I take the time to truly understand your unique goals and aspirations. Together, we can build a robust financial plan tailored specifically to your needs - one that helps you feel confident and excited about the future and focused on what matters most to you.

I have experience working with generational families, those needing specialist financial advice due to disability, business owners (from sole traders to limited company directors), farmers, and dedicated professionals. I work with clients to align and protect both their personal and business interests, generate and preserve wealth, and safeguard what matters most.

My approach is honest, people-focused, and grounded in expert coaching and advice. I’m here to understand what drives you, and to help you navigate the financial milestones of life - from education and career-building, through marriage and parenthood, to retirement and beyond. So you can nurture your dreams and achieve your financial goals.