Andrew Daw - IFA

Plain-English personal finance for UK earners. Pensions, ISAs, tax traps, and retirement planning, explained by a practising IFA with nothing to sell you.

I'm Andrew Daw, a qualified Independent Financial Adviser based in the South West. Each week I break down the UK pension rules, ISA allowances, tax traps, and retirement planning decisions most people get wrong — and most advisers won't explain for free.

No jargon. No hype. No sales pitch. Just the moves HMRC hopes you never learn.

What I cover:

📌 UK pension advice & pension tax relief
📌 ISA vs pension — which works for your situation
📌 Retirement planning UK — the honest numbers
📌 Tax traps — the £100k cliff, 60% marginal rate & more
📌 Protecting what you've built

New videos every week. Subscribe if you want to stop leaving money on the table.

This is information, not personal financial advice. Always consult a regulated adviser for personal recommendations.