Dasa Medvecka, Chartered Financial Planner

Dasa Medvecka, Chartered Financial Planner Chartered Financial Planner at Quilter Financial Advisers | Brighton 🇬🇧
Making money topics feel clear & approachable
Educational content only — not advice
(1)

24/06/2026

Everyone wants financial freedom.

But financial freedom isn’t built by one big decision—it’s built by hundreds of small ones.

The habit of saving matters more than the amount.

Start where you are. Start with what you have. Start today.

Because the money you keep is often more important than the money you earn.

What’s one financial habit you’re working on right now?

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22/06/2026

Most people focus on spending less.

But one of the easiest ways to save money is by keeping more of what you earn.

Understanding the tax allowances and reliefs available to you could save hundreds—or even thousands—each year.

Are you making the most of yours?

WealthBuilding

19/06/2026

Most people focus on how much they earn. Smart people focus on how much they keep.

One of the most effective ways to reduce your tax bill is through pension contributions. Not only can you benefit from valuable tax relief, but you’re also investing in your future at the same time.

A win today. A win tomorrow.

Have you checked whether you’re making the most of the tax relief available to you?

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17/06/2026

How much is waiting costing you?

I recently spoke to someone who had £150,000 sitting in cash because they were waiting for the “perfect” time to invest.

Years passed. Markets moved. Inflation eroded the value of their money.

The reality is that perfect timing rarely exists.

A good financial plan isn’t about predicting the future—it’s about making informed decisions with the information you have today.

Sometimes the biggest risk isn’t making the wrong move.

It’s making no move at all.

What financial decision have you been putting off?

15/06/2026

When did you last check your pension?

It’s easy to ignore your pension. It’s long-term, often invisible, and for many people it sits quietly in the background while more immediate finances take attention.

But that’s exactly why it’s worth checking in on it from time to time.

A pension isn’t just “future money” — it’s one of the most powerful tools for building financial security later in life. Small decisions made today can have a surprisingly large impact decades down the line.

For years, investors have wanted access to one of the world’s most talked-about private companies. Today, they finally g...
12/06/2026

For years, investors have wanted access to one of the world’s most talked-about private companies. Today, they finally got it as SpaceX began public trading in the largest IPO in history.

It’s a reminder of something pension savers often forget:

Exciting investments make headlines. Diversification builds retirement income.

When a company like SpaceX comes to market, it’s easy to focus on the potential upside. The stories, the innovation, the vision. But every investment carries risk, and today’s market leaders don’t always become tomorrow’s winners.

That’s why pension investing shouldn’t be about chasing the latest opportunity.

A well-constructed pension spreads risk across:
âś… Different companies
âś… Different sectors
âś… Different countries
âś… Different asset classes

The goal isn’t to find the next SpaceX.

The goal is to give your future self the best chance of achieving long-term financial security.

Investing is about balancing risk and reward. Taking too little risk can mean your money doesn’t keep pace with inflation. Taking too much risk can mean unpleasant surprises when markets turn.

The challenge is finding the level of risk that’s right for you.

As today’s excitement around SpaceX demonstrates, markets will always provide new opportunities. The key question for pension investors isn’t:

“Should I buy this?”

It’s:

“Does this fit my long-term retirement plan?”

10/06/2026

If you’re self-employed, nobody is automatically setting money aside for your retirement.
No workplace pension. No employer contributions. No automatic enrolment.
That means your future financial security depends on the decisions you make today.
The good news? You don’t need to start with huge amounts. Consistent contributions into a pension, ISA, or a combination of both can make a significant difference over time.
The earlier you start, the more time your money has to grow.
Your business is an investment in your future, but don’t forget to invest in yourself too.
ISA SmallBusinessOwner FutureYou FinancialEducation

08/06/2026

Most people think pensions are only for retirement.

What many don’t realise is that pensions can also be one of the most tax-efficient planning tools available.

If you’re facing a large tax bill from earnings, bonuses, dividends, or business profits, a pension contribution could potentially:

âś” Reduce your taxable income
âś” Benefit from tax relief
âś” Increase your retirement savings

A pension doesn’t just prepare you for the future—it could help solve a tax problem today.

WealthBuilding

05/06/2026

Why a Pension Is One of the Best Investments You Can Make

A pension isn’t just about retirement—it’s about giving yourself more choices in the future.

Workplace pensions offer three powerful benefits:

âś… You contribute from your salary
âś… Your employer usually adds money too
âś… The government provides tax relief

This means your pension can grow faster than saving alone.

The biggest advantage? Time. Starting early allows your investments more time to benefit from compound growth, but it’s never too late to begin.

Even small contributions today can make a meaningful difference to your future financial security.

03/06/2026

Two successful business owners. A great meeting. A clear plan for the future.

They understood the value of pension contributions through their company and were ready to take action.

Then came concerns about world events, economic uncertainty and an upcoming corporation tax bill.

The decision? Wait.

The challenge is that there will always be a reason to delay. Markets fluctuate. Headlines change. Tax bills arrive.

But time is one of the most valuable assets in long-term investing, and every year you wait is a year that can’t be recovered.

Sometimes the biggest financial risk isn’t making the wrong decision.

It’s making no decision at all.

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