Wealth
Savings & Deposit Advice
Cash has a job: emergency cover and money you'll spend soon. Too little is risky, too much is expensive in lost growth. We help you size and structure the cash layer properly.
Why Choose Us
The right cash, in the right places
Most households either hold too much cash earning very little, or too little to weather a shock. We help you set the right cash buffer and split it across easy-access, notice and fixed accounts.
- Right-sizing your emergency fund and short-term goal pots
- FSCS limit checking — including the same-licence trap
- Tax planning across personal savings allowance, starting rate for savings and cash ISA
- Easy-access / notice / fixed-term split that suits your liquidity
- Annual rate and structure review so cash keeps working
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Your Journey
A straightforward process
Cash Audit
We map current balances, providers and licences to identify gaps and overlaps.
Structure Design
We split cash across emergency, short-term goals and longer-term opportunity.
Provider & Rate Review
We highlight better-rate options and any same-licence concentration risk.
Annual Re-Check
Rates move — we review annually so your cash structure keeps pace.
FAQs
Common questions
How much cash should I keep on deposit?+
A common rule of thumb is 3–6 months of essential outgoings as an emergency buffer, plus any money earmarked for short-term goals (within 5 years). Beyond that, cash usually loses real value to inflation and other wrappers may be more suitable.
What is FSCS protection?+
The Financial Services Compensation Scheme protects up to £120,000 per person per banking licence (£240,000 joint) — increased from £85,000 on 1 December 2025. Two banks under the same licence share one limit — something many savers don't realise until it matters.
Cash ISA or savings account?+
Cash ISAs protect interest from tax. With the personal savings allowance (£1,000 for basic-rate, £500 for higher-rate, £0 for additional-rate taxpayers) standard accounts may already be tax-free for smaller balances. We'll show which works harder for you.
What about fixed-rate bonds?+
Locking money away for 1–5 years usually pays a higher rate than easy access, but you lose flexibility. We help you split between easy access, notice and fixed accounts so the right amount is in each.
Do you arrange the accounts for me?+
We can manage cash investments for you with our Partners at Insignis.
Make your cash work as hard as the rest of your portfolio
A no-obligation cash review will show you what to keep liquid, what to fix and how much FSCS cover you really have.