Three years of financial planning with MUVADO

When Rob and Rachel first approached MUVADO three years ago, they were doing well.

They had established successful careers in their mid-30s and accumulated a family balance sheet of £620,000.

However, their finances felt scattered. They had four separate pension plans, three different investment accounts, and £170,000 sitting in cash savings. There was no clear plan connecting everything. What they needed wasn’t more products. They needed structure and clarity. 

What they needed wasn’t more products. They needed structure and clarity.

Start: Disorganised wealth

Like many high-earning professionals, they had accumulated assets reactively rather than strategically. Workplace pensions followed their job changes. Different investment accounts were opened at various life stages. Cash built up because they were unsure where to invest it. This situation is common among busy professionals in their 30s and 40s.

Careers advance quickly, income increases, and life becomes hectic. Financial decisions often get postponed. But that postponement rarely ends.

Our first step wasn’t to seek high returns. It was to organise their finances and properly plan for taxes.

Year one: Building the foundations

We began by reviewing every account, the tax position and their spending habits.

Pensions were consolidated where appropriate and aligned to a long-term investment strategy. ISA allowances were fully utilised. Employer pension contributions were optimised to ensure receipt of the maximum available benefit. Excess cash was repositioned strategically rather than left idle.

Most importantly, we structured their finances to reduce unnecessary tax leakage. Through careful tax planning, pension structuring and efficient use of allowances, they began saving significant amounts in tax each year.

The organisation created clarity. Clarity created confidence.

Years Two and Three: Optimising real-time

Financial planning doesn’t happen in isolation from life. During the next three years, Rob and Rachel went through fertility treatment, welcomed a baby, and both left jobs they disliked without another role lined up.

These were not small decisions.

Because their plan had been structured with flexibility in mind, they knew exactly how much cash they had available, how long it would last, and what impact career breaks would have on their long-term goals.

At the same time, we continued to refine their tax position. ISA allowances were used every year. Pension contributions were structured efficiently to maximise tax relief. The investment strategy was aligned with their time horizons and risk tolerance. Life insurance and income protection were increased to ensure that, if something went wrong, the surviving partner and child would be financially secure.

This is where tax planning meets real life. It’s not about spreadsheets. It’s about resilience.

Measurable impact of financial planning

Over three years, Rob and Rachel’s net worth increased from £620,000 to £1,125,000.

This growth wasn’t the result of speculation or short-term trading. It reflected disciplined investing, improved asset allocation, consistent contributions, effective tax planning and full use of employer pension schemes.

In year three, they will save nearly £39,700 from the tax planning we’ve implemented.

Based on our planning assumptions, even if they only match their employer’s pension contributions, they could expect to comfortably spend £70,000 annually from age 60 to 100.

For a couple in their mid-30s, that signifies remarkable long-term security.

The things you can’t measure

While the numbers are powerful, the real transformation cannot be measured.

They are now completely financially organised. They understand where every account sits, how it is invested, and what it is designed to achieve. They have protection in place. Their plan includes built-in flexibility. They no longer worry about whether they are “doing the right thing” with their money.

Perhaps most importantly, they were able to leave jobs they disliked without financial panic. That kind of career flexibility is rarely discussed, but it is one of the most powerful outcomes of long-term financial planning.

Their money now supports their life. It no longer competes with it.

Why financial planning matters in your 30s

Many professionals assume serious tax planning is something to consider in their 50s.

In reality, your 30s and 40s are when tax-efficient investing has the greatest impact. Using pension tax relief properly, maximising ISA allowances, structuring contributions intelligently and reducing unnecessary tax drag can compound into hundreds of thousands of pounds over decades.

Tax planning is not always about avoiding tax. It is about paying the right amount at the right time, while building long-term financial security.

Working with Robert and Rachel demonstrates what can happen in just three years when structure, discipline and tax efficiency are applied consistently.

And there's much more to come for them!

Book in a call

Risk warnings

Investments do not give the same capital security as cash deposits. Investments carry risks. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Tax rates may change in the future.

The above article is not financial advice. If you need financial advice, please see an independent financial adviser (like us!).