Kashef Reid-Bashir

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 help private clients, entrepreneurs, and senior UK professionals look to grow, protect, and transfer their wealth across generations. My focus is on creating clear, personalised strategies that align with your goals and life stage, helping you make confident financial decisions — even in complex scenarios.  

• Drawing on the vast resources of Quilter, one of the UK's leading wealth managers, I provide advice across a wide range of wealth management and financial planning services.
• Personalised wealth management strategies to grow and protect assets.
• Tax-efficient planning to optimise compensation and investment outcomes.
• Pension and retirement planning (Group Personal Pensions (GPPs) Self-invested personal pension (SIPPs, Small self-administered pension scheme (SSAS) ) with cashflow forecasting.
• Wealth management (General Investment Account (GIA), ISAs, Onshore/Offshore Bonds) aligned to your objectives.
• I can also assist with Discretionary Fund Management, which we provide in partnership with Quilter Cheviot.
• High-interest cash solutions (CashHub) for liquidity and short-term returns.
• Estate planning to manage Inheritance Tax Planning, Capital Gains Tax Planning, and stamp duty exposures.
• Intergenerational wealth transfer via structured vehicles such as Family Investment Company (FICs) and Trusts.

For entrepreneurs and management teams progressing through funding rounds from Series A onwards, I also provide guidance to:

• Map liquidity events and exits for tax-efficient wealth extraction.
• Align risk, return, and long-term objectives.
• Analyse and look to optimise vesting schedules and equity ownership.
• Build scenario-based cashflow plans to ensure clarity and flexibility.

My role is to coach, guide, and partner with clients, ensuring strategic objectives, risk appetite, and long-term goals are clearly defined and integrated into a sustainable financial plan.

I bring a background in finance and strategy from organisations including Reuters (now Refinitiv), FTSE (now FTSE Russell), and Booz Allen Hamilton. I am Investment Advice Diploma qualified (CISI Level 4) a Qualified Accountant (ACMA), and hold an MBA from Cranfield School of Management.

Outside work, I enjoy playing tennis at club level and spending time with family.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

For a free initial consultation, please book an appointment or connect on:
kashef.reid-bashir@quilterfa.com | +44 (0)7939 004063

Estate Planning, Trusts, Tax Planning including Inheritance Tax Planning, Advice held on Cash on Deposit, Succession planning and Offshore bonds are not regulated by the Financial Conduct Authority.