Vincent Rassat

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.

My approach to financial planning places your future lifestyle and financial goals at the centre of everything we do together.

We start with where you are financially today and we create a clear and tailored financial plan with clear financial goals.

My focus will be on ensuring that you are tax-efficient, financially prepared, and fully informed about your options.

To keep you on track, we will regularly review your financial position as your goals, circumstances, and priorities evolve.

Following a career pivot in 2019, I have drawn on both personal and professional experiences through roles including project manager, financial analyst and holistic financial planner.

This career change was a deliberate move into a vocation that genuinely adds value to people’s lives—something I am deeply passionate about.

I believe financial planning is one of the most important foundations we can put in place for ourselves and for those we care about.

My services include:

• Protecting wealth - safeguarding you and your family against the unexpected
• Creating wealth - maximising your standard of living as work becomes optional
• Managing wealth - structuring investments tax-efficiently and purposefully
• Business wealth - supporting growth and long-term profitability
• Retaining wealth - keeping more of what you earn, legally and ethically
• Preserving wealth - protecting your estate for future generations

My mission is to ensure you are prepared so you can enjoy genuine financial peace of mind and focus on what matters most.

I hold the CII Level 4 Diploma in Regulated Financial Planning and I am fully registered by the Financial Conduct Authority.

I am also a qualified member of the Personal Finance Society and it reflects my commitment to the highest professional standards and ongoing development.

Outside of work, I’m a proud parent to four amazing children, and family time is at the heart of everything I do. You’ll often find me at motorsport events throughout the year. I also speak fluent French, so if it’s more comfortable, we can have our conversations en Français.

If this resonates, let’s connect and start your journey.