Josh Cardy

A little bit about me... My Passion: I am Financial Planning enthusiast! I have seen first hand how good financial planning can change lives. What makes me tick? • Simplifying people’s finances • Providing people with transformational advice • Giving people the confidence to live their best lives! My Promise: I have never, nor will I ever, advise a client to take a financial decision that I myself, would not make in their position. Our business is built on absolute trust and integrity. My Proposition: In short, I help individuals, families and business owners: - Make sense of their current and projected financial health. - Build tax-efficient wealth over the medium to long-term. - Plan and achieve financial security and freedom. - Protect and provide for your family now and across the generations. Typical problems I love helping clients solve: - When can I afford to retire and how long will my money last? - Could my money be working harder for me? - What if things do not go to plan (business and personally)? - Could I be more tax-efficient with my personal and business finances? I work on a face-to-face basis with my clients to ensure I wholly understand where they are now, where they hope to be and most importantly, how I can help them get there. My clients love being able to see a simple, yet dynamic projection of what their financial future looks like and understanding what action they can take now to help achieve their life-long aspirations. Having a robust, personalised and evolving financial strategy in place gives my clients clarity and confidence about their future and is an essential ingredient to helping ensure their goals are achieved. I understand the privilege and critical responsibility that clients entrust me with. My thorough and transparent approach to Financial Planning instils absolute confidence in those that I work with. Get in touch OR book a 30-minute no-obligation initial chat via the calendly link below to see if we can help: https://calendly.com/josh-cardy/no-obligation-30-min-consultation Email: josh.cardy@sjpp.co.uk 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 06/03/2025