Michelle specialises in helping individuals achieve their financial goals and aspirations (large or small). Michelle believes that cash flow planning is applicable for all clients as it helps them make informed financial decisions and provides peace of mind. She thoroughly enjoys supporting clients with their retirement planning, whilst also ensuring that they can leave more to their family and less to the Inland Revenue. Michelle works with clients from all walks of life but has a particular focus on supporting business owners with growing their wealth in a tax-efficient manner.
Michelle is a Fellow of the Personal Finance Society. This is their highest level of qualification and makes Michelle one of the most qualified financial planners in the U.K. She is a Chartered Financial Planner and previously founded Consilia in 2012 before merging the firm with Saltus in February 2021. She has worked in financial services for over 20 years and has a BA (Hons) in Economics from The University of Manchester.
Michelle lives in Hertfordshire and is kept busy by her husband and three children. Outside of work, she enjoys fine dining, keeping fit, travel and country walks.
Michelle likes nothing more than supporting clients with their retirement planning, whilst also ensuring that they can leave more to their family and less to the Inland Revenue