Cropped sarah mitchell.pngSarah Mitchell

Sarah Mitchell is a Chartered Financial Planner with over 12 years of experience helping UK families optimise their savings and investments. Previously a senior advisor at a leading wealth management firm, Sarah specialises in ISA strategies, pension planning, and tax-efficient investing. She holds the Chartered Insurance Institute's Advanced Diploma and regularly contributes to financial education initiatives. Sarah's practical approach focuses on making complex financial concepts accessible to everyday savers, helping thousands of clients build long-term wealth through smart planning decisions.

ISA Optimisation Strategy: Cash vs Stocks & Shares vs Lifetime ISA – The £20,000 Decision

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Bottom Line: The average UK adult wastes £2,600 in annual tax savings by not maximising ISAs. With optimal allocation, you could add £200,000 to your retirement wealth compared to taxable accounts. Why This Matters UK savers hold £100,000 in cash but only £35,000 in ISAs on average. This represents Britain’s biggest personal finance blind spot. … Read more