Tim Knowles

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.

With over 20 years of experience in the financial services sector, I haves built a reputation for delivering trusted, client-focused financial advice. My approach is holistic, ensuring that every aspect of financial planning, from investments and retirement strategies to protection and estate planning, is carefully tailored to each clients’ unique goals and circumstances.

At the heart of my practice is a commitment to building lasting relationships. I believe that true financial planning is not just about numbers, but about supporting clients in achieving the life they want to live. By listening closely, understanding long-term aspirations, and simplifying complex financial matters, I empower clients to make confident, informed decisions.

Beyond my professional expertise, I value balance and wellbeing. I am passionate about maintaining a healthy lifestyle and staying active, often enjoying outdoor activities and new experiences with my family. This personal philosophy mirrors my professional one: planning for the future while making the most of today. Whether you are planning for retirement, protecting your family, or seeking to grow your wealth, I provide clear guidance, thoughtful strategies, and unwavering support every step of the way.