David Gallagher

I believe that understanding what your money 'could' do for you is key to making informed financial choices. As part of our initial meetings I offer, visual cash flow forecasting, with no obligation. This enables you to ‘see’ how your money could grow based on different choices you could make and differing market circumstances. In short, cash flow forecasting helps you to answer the 'WHAT IFs?'. * What if I want retire early? * What if I need to pay for my child's university fees? Everyone has differing ways they want to live their lives and different ideas of what’s ‘comfortable’ when it comes to money. Some people aspire to retire with the resource for three foreign holidays a year, others want to help children buy houses or fund university courses. You may have a business you’d like to sell when you retire or perhaps leave some of your pension pot to a charity that’s close to your heart. * Whatever your 'ideas' and whatever your 'ideals', I can help guide you to make good decisions with your money, based on your circumstances and up-to-date financial market information. I specialise in offering advice in: • Investment Planning • Protection • Pension Planning • Inheritance Tax Planning I have 20+ year's experience working in the financial sector. I began my career at HSBC firstly as a mortgage adviser and then in 2010 qualified as a Financial adviser. After leaving HSBC late in 2015 I joined St. James's Place and founded David Gallagher Wealth Management in January 2016. I provide a highly professional and caring service. As a client of mine you will benefit from my expertise and a long-term commitment to looking after your wealth needs. I give advice that is clear, easy to follow and that can be relied upon to meet your objectives. Call me on 07795208991 for a quick 15 min chat. Or Email me at David.Gallagher@sjpp.co.uk SJP Approved 28/02/2024 The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 28/02/2024