Melissa Ellis - Independent Financial Adviser

15/09/2025

🌟”Melissa Ellis provided a professional, attentive and friendly service.” 🌟

The buzz and excitement I feel when a client recognises my service and values it, truely is like no other.

I’m incredibly grateful to have received the below review from one of my clients who I’ve recently helped develop a retirement plan for.

Here at Wren, we offer a FREE INITIAL CHAT to discuss your existing financial arrangements and look into any areas we can add value for you. If you’d like to book in a call, please drop me a message🙋🏻‍♀️

Wren Sterling is authorised and regulated by the Financial Conduct Authority.

02/05/2025

🌟NEW TAX YEAR, NEW OPPORTUNITIES🌟

With many changes to both personal and business tax regimes due to come through in the next few years, there really is no better time to review your financial plan.

Please drop me an email to book a FREE initial consultation and we can discuss your objectives/ needs and areas to add value to your future financial solutions.

Enjoy the sun everyone, have a great bank holiday weekend!

Email - [email protected]
Work phone number - 07704 683105

29/01/2025

https://www.wrensterling.com/our-team/melissa-ellis-2/

Melissa is a Certified Financial Planner and has worked in the financial services industry for over six years. She is dedicated to helping individuals, families and corporations reach their financial goals in a jargon free, friendly environment. She takes pride in helping her clients achieve financi...

02/01/2025

🌟Happy New Year🌟

It's no secret finances can be confusing. Pensions, investments, inheritance, tax planning, the list goes on.

A financial advisor can demystify your financial path and help you achieve your retirement, savings and protection goals for 2025 and beyond.

It's always worth a chat, my inbox is open!

Please note, Investments can go down as well as up and you could get back less than you invested.

Wren Sterling Financial Planning Limited is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate tax planning.

19/11/2024

🌟CLIENT REVIEW JUST IN🌟

My client came to me stressed about all the pension options available and struggled to find a path suitable that worked towards her retirement objectives.

I'm so proud to have helped Catherine with her pension planning and building a suitable plan working towards her objectives! BUT, most importantly, providing her with peace of mind around her retirement.

My passion as an advisor is to make the process as seamless and stress free as possible. The financial world can be complicated and it's my mission to change that.

If you feel you could benefit from a helping hand with your retirement planning or wondering what options you have for your savings and future legacy solutions, please don’t hesitate to drop me a message, I'd love to chat!

❗️Remember❗️There is no charge for a call to discuss your existing financial arrangements, why not see how I can help!

Off I go to get the next five star client review underway!

[email protected]

05/11/2024

💷How can Financial Advice help you?💷

There are many misconceptions around financial advice that stop people from taking the leap they often need for financial clarity and peace of mind.

This post highlights a few reasons why you may need a financial advisor in your life during it’s many challenges. An advisor will be able to help you build and protect your financial plan for the future.

Any questions, I’m here to help, drop me an email🙋🏻‍♀️

30/10/2024

💷UK Autumn Budget 2024 is finally here💷

I have noted a few of the key headline budget points in my post below. There are many more to digest and these can be found on the government website but I felt these points were most relatable.

🍺I say that, BUT, a pint of beer down the local pub will cost around 1p less soon!🍺🤣 (Draught duty will be cut by 1.7% in February 2025)

Any questions about how the budget affects your finances, I’m happy to help - [email protected]

29/10/2024

💷Navigating finances as a young adult💷

Financial planning as a young adult can be both overwhelming and stressful at every turn. When I was 16, every part of finances made me nervous. I remember feeling stupid that I wasn’t aware of every day life requirements like budgeting and saving.

Real life skills like what affect do interest rates have on my savings or how do I get a mortgage for a house are not taught at school yet are such an essential part of our adult life. I’m going to try and change that.

I have highlighted a few key areas of Financial Planning for young adults to consider and action accordingly. I must say: there are many more I’ve not mentioned here but I feel these four points, performed well, will set you up on a positive path for the future in achieving your financial goals.

I will start to add weekly knowledge tips to help build knowledge on financial planning in an understandable way. Hopefully it helps, feedback/ requests are welcome☺️

Please note, this post should not be accounted for as financial advice. Wren Sterling and myself are authorised and regulated by the Financial Conduct Authority - number - 665 653.

Investments have an element of risk and can go down as well as up.

21/10/2024

💷Returns on cash have just taken a hit💷

The Bank of England (BOE) have started to announce base rate reductions and this is foreseen to continue as inflation continues to slow down. As the BOE base rate decreases, as does the interest rates offered by banks and as you can see on the email I received today, Nationwide have already started to reduce my interest rate on my savings account (after only one base rate reduction so far.) They don’t miss a trick, that’s for sure!

Firstly, I’d like to highlight the importance of having an emergency or as I like to call it, ‘rainy day fund’ set aside in immediate access, cash holdings for when those unexpected expenses arise with the car or the roof (for example.)

However, if you have a large savings pot in the bank that you do not foresee needing in the near future, why settle for a minimum capital return? Especially, when everything else around us is on the rise. The cost of food has risen by a further 1.7% in July this year and your average savings account offers 3.25% in interest. This means half of your ‘return’ on cash is being eaten away as you eat your cereal (excuse the pun!)

Put simply, there may be better options for your savings than holding it in cash and there are many different investment avenues available to you depending on a range of factors. Including your risk tolerance (how much investment risk you’re willing to take), your capacity for loss (how much risk your capital can take in order to not affect your standard of living) and many more.

If you don’t know where to begin or would like to have an overview of your options, I’d recommend speaking to an Independent Financial Advisor (ensuring they have full access to the Whole of Market) to provide you with a clear path of your investment options.

TOP TIP - always check the advisor is authorised and regulated by the Financial Conduct Authority by asking them or checking on the FCA register.

Wren Sterling and myself are authorised and regulated by the Financial Conduct Authority, FCA number – 665 653. Please note, investments can go down as well as up.

07/10/2024

Don’t delay your retirement planning📈

Most things in life require a plan of action. Whether it be the route to your desired destination or a recipe for your pasta bake. The plan provides you with a clear path and gives you peace of mind along the way.

Your retirement is no different and the earlier you start to plan, the better. Our pension tends to be the biggest asset we own, apart from our house, so why do less than 80% of individuals not priorise it until after their 50th birthday?

Here are four key tips to help you start to think about your retirement plan and build a strategy to achieve your goals.