Vincent Rassat

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 

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.