Sean O’Brien

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 am focused on building long-term relationships by delivering a fully tailored and personal service. By gaining a deep knowledge and understanding of a client’s financial circumstances, needs, and goals, I am able to construct detailed financial plans in order to help clients achieve their objectives as tax efficiently as possible.

The backing of Quilter allows me to call on the company’s considerable investment expertise and, in particular, their responsible investing ethos, which is reflected in their adoption of the Investment Association’s responsible investment framework.