Ian Dempsey DipPFS

Themoneyman

Independent Financial Planner and Coach

Independent Financial Advisor

Magpie Money Coaching

Helping clients make sense of their money with deeply understood coaching to form better financial habits, build stronger foundations and change their financial future.

We'll build a real understanding of where you are now, where you want to get to, the deeper meaning of your goals and how important they really are to you.

We will look at the big picture to create emotional engagement to help you make better, clearer and more successful decisions.

Founder and Financial Coach

MANUP?

MANUP? is a Men's Mental Health Charity that was founded in 2019 and officially became a Charity in July 2021. Its purpose is to de-stigmatize men's mental health and this is done via podcasts, videos, fundraising, corporate events, and much more. Learn more here - www.manup.how

Member Board of Trustees

Set Them Up Foundation

The Set Them Up Foundation are delivering engaging and rewarding lessons for young adults aged 15 to 19, around...

● Financial planning. Developing good money habits early on is key to financial responsibility.

● Investments. Children are more than capable of grasping crucial concepts like stocks and bonds.

● Mortgage and rental advice. The basic understanding that things cost money is a vital aspect of financial literacy.

● Pensions. The simple ideas of saving and planning for retirement can transform a child's financial future.

A range of 50 further lessons have been created for our online learning platform delivering on topics that further financial literacy and get youngsters ready for life after school. First Pay Slip, Tax, Insurance, Introduction to Cryptocurrency, Fraud & Ponzi Schemes, Cost-of-living Comparisons, Financial Wellbeing, Emotional Spending and many more

Advisory Board Member

Quilter Financial Advisers

I provided bespoke, expert financial planning to professionals, directors and business owners by making complex financial solutions easy to follow, tax efficient and by taking the headache away, allowing them to focus on what they do best.

Maximising tax efficiency, understanding complex needs and consistently delivering effective solutions which are easy to understand is the way i did this.

Delivering the results they expect and adding significant value to their financial goals is what I did best.

I worked with Business owners, Senior Managers, High earners, Recruitment executives, Company directors and HR managers.

I always deliver the very best for my clients by looking at the bigger picture and delivering no nonsense, black and white financial plans which make complex financial solutions easy to follow.

Financial planning doesn't have to be complicated. Making the complicated easy to understand is where you'll see my value.

Financial Planning Consultant

CMP Financial - St. James's Place

I Provided bespoke financial advice to professionals by maximising tax efficiency, understanding individual needs and consistently delivering effective solutions with a personal approach. 

I worked with Business owners, Senior Managers, High earners, Recruitment executives, Company directors and HR managers.

I delivered the very best for my clients and took time to always look at the bigger picture. I made complex financial solutions easy to follow and tax efficient and took the headache away from clients finances allowing them to focus on what they do best.

St. James’s Place Wealth Management is a FTSE 100 company.

Financial advisor improving the lives of directors and business owners through bespoke expert advice

HSBC Retail Banking and Wealth Management

Experienced wealth adviser providing financial and relationship management services to Company owners, Company Directors, High flyers and executives which included: 
- Bespoke Investment and taxation advice
- Tailored individual and family protection advice
- In depth, individual and intergenerational Inheritance tax planning
- High level individual and family Pension advice
- In depth Discretionary portfolio reviews and analysis

Premier Wealth Manager

Santander UK Corporate & Commercial

Senior financial adviser providing expert, bespoke protection, investment and pension advice to retail and corporate clients of Santander

Wealth manager/ Client Relationship Manager

Britannia Building Society

Providing bespoke mortgage, protection and general insurance advice to business owners, executives and professionals

Area Mortgage and Protection specialist

Qualified, certified and award winning to coach your finances | Helping business owners sort their money without the waffle | Straight-talking, no fluff, no suits, just real plans that work

Trying to sort your money out can feel like assembling flat-pack furniture with no tools and a toddler chewing the instructions. Confusing, frustrating and somehow you end up with three spare bits and no clue why.

That’s where I come in.

I’m a straight-talking Geordie dad who swaps jargon for plain English, suits for t-shirts, and nonsense for actual help. I don’t drive a Porsche or wear cufflinks. I turn up in the family car with a coffee in hand and a brain full of practical ideas to help you sort your life out financially, emotionally, maybe even spiritually (no promises on that last one).

I’m not here to dazzle you with pie charts or bore you to tears with compound interest. I’m here to talk about you, your family, your future, and what actually matters when it comes to making your money behave.

If you're the type who likes to DIY, I’ll cheer you on and hand you the right tools. If you’d rather get a co-pilot, I’ll be in the passenger seat, Sat Nav on, snacks packed (Fruit Salads and Midget Gems, obviously).

Fully qualified and certified. Fully human. Zero fluff.

Follow along for free tips, real talk, and the occasional dad joke. No pressure, no hard sell. Just ideas that might help you stress less, save more, and finally feel like you're on top of things.

(And yes, I do accept payment in sweets. I have standards.)

If you’re maxing your ISA but leaving most of it in cash…  this Budget was your warning shot.

From 2027, the £20k ISA allowance stays… but £8k of it has to go into actual investments, not just a savings account.

That’s the government telling higher earners and serious savers:

📢 “Use the markets, not just a money box.”

If you’re a Saxo UK-type investor, you already get this.

➡️You’re not trying to beat inflation with 3% in a cash ISA.
➡️You want access to global stocks, ETFs, bonds and more inside that wrapper. 

With a Saxo flexible Stocks & Shares ISA you can:

✅Move money in and out during the year without killing your allowance,
✅And still tap into thousands of ISA-eligible investments across global exchanges.

So if you’re already earning well and actually using your £20k each year, this is your edge don’t think “cash ISA”, think global portfolio in an ISA.

Your capital is at risk. Not advice, just the playbook sophisticated investors are already following. Tax treatment depends on individual circumstances and may be subject to change.

Follow for more “post-Budget” moves for serious investors, not first-timers.

Let’s face it—financial advice can feel like trying to read IKEA instructions upside down in the dark, overwhelming, confusing, and honestly, not much fun.

That’s where I come in. I’m a straight-talking Geordie dad, rolling up to meetings in jeans and a t-shirt, driving the family hatchback. No fancy cars, no flashy suits, and definitely no financial mumbo jumbo that leaves you more confused than when we started.

When we chat, it won’t be about drowning you in numbers or baffling you with graphs. It’ll be about you. Your journey, your family, your goals, and how your money fits into the bigger picture of your life. Because let’s be honest, financial planning isn’t just about spreadsheets—it’s about making sure your money is working for you, making sure you never run out of it and live the life you want.

I’m also big on making sure you walk away feeling empowered. If you can take control of your financial plan on your own, crack on! But if you’re in need of some guidance or coaching, I’ll be right there to help you make sense of it all and put a clear plan in place. No fluff, just solid, practical steps.

And if you’re curious but not quite ready for a chat, give me a follow and keep an eye on the content I’m dishing out for free. I’m always dropping tips that might just save you a few headaches—and a few quid.

I do accept payment in Midget Gems or Lions Fruit Salad (because I have taste), but cash works too.

The Wealth Strategist. Helping business owners & mid-life investors build real wealth with smart structures, better platforms & no-BS financial strategy.

You don’t have a tax problem with how much you earn.

You have a structure problem.

 I speak to a lot of people earning £100k–£250k who feel like they’re doing “well”…
 …but when we dig into the numbers, 40–60% of their effort goes straight to HMRC before they ever touch it. 

And they assume this is normal.
 😡“It is what it is.”
 😡“It’s just the system.”

But here’s the truth:
 High earners aren’t punished by the tax system.
 Employees are.

When you rely solely on salary, you’re playing a game where:
📉 You’re taxed before you even see the money
📉 You hit the 60% taper zone
📉You lose benefits and allowances
📉You have no flexibility or control
📉 Every extra £1 earned feels half-pointless

Meanwhile…
Those using a business, investment vehicle, or corporate structure are taxed on their choices, not their labour.

Wealth isn’t built by earning more. It’s built by changing the route your earnings take before they arrive to you.

🚨If you’re earning over £100k and taking everything as PAYE, you’re voluntarily playing the game on “hard mode”.

✅Quick Fix: Redirect £1,000 of your monthly income into an employer pension contribution instead of taking it as salary.

For most £100k–£150k earners, that single adjustment instantly saves £420–£600 per month in tax.

Same money. Different route. Completely different tax outcome

Award-winning coach and adviser; no suits, no fluff. Just clear steps that move you from “hoping” to “funded.” Message me and let’s build the plan.

Ready to ditch the corporate, grey-suited Colins, with the fancy watch and flash car and be the next name on this list? 💪

If your boss guessed your salary every month, you’d quit.

No question. Ta ra...Au revoir......Auf wiedersehen pet 👋

But that’s how most people treat their finances, total guesswork.

Your money could be building wealth, buying freedom, buying back your time.

But not if you “just hope for the best.” 🤞

Stop guessing. Start planning.

➡️ Follow for bite-sized financial guidance that actually makes sense.

🎁 Free Wealth-Building Starter Pack: https://lnkd.in/exC3XvEk

🧠 4 Tools That Will Instantly Improve How You Manage Money: https://lnkd.in/eQ2JKhAs

💬 Want personal guidance? Comment “HELP” and I’ll reach out.

Why you're earning well but still feel left behind.

Earning £100k+ used to mean you’d “made it.” Now it barely feels comfortable 🤯

You’re earning more than most people you know…but your wealth isn’t growing at the speed you expected.

It’s not because you’re spending too much. It’s because:

⛔The UK system punishes earned income and rewards ownership.

Two people can “earn” £150k. One keeps 50% more because they changed the route the money takes.

⛔If your income arrives as work, it’s taxed.
✅If it arrives as ownership, it grows.

Income creates lifestyle. Assets create freedom.

QUICK FIX:
Run this 30-second test:
 
1️⃣Work out what % of your income comes from “work” vs “ownership.”
2️⃣If more than 85% is from work, shift £500/month into an ownership-based vehicle.
3️⃣You’ll feel the compounding difference immediately.

Want me to tell you the right ownership vehicle for your level?

I'm serious about outcomes, allergic to jargon. I build tax-efficient, execution-ready plans for UK owners. Get in touch for the outline

The 60% Tax Zone is The most expensive mistake you're making as a high earner?

Accidentally walking into the 60% tax trap is on you.

🚨If you earn £100k–£125,140, you lose £1 of personal allowance for every £2 you earn.
🚨Effective tax rate: 60%.
🚨62% in Scotland.

Most people don’t even know they’re in it.

They just feel like earning more no longer helps.

Here’s the truth:
⛔If you’re paying 60%, it’s not inevitable.
⛔It’s a planning error.

QUICK FIX:
If you’re in the 60% zone, do this:

Use salary sacrifice to bring taxable income back to £100k–£99,999.
In most cases, the tax you save is greater than the pension contribution, a net positive.

Evidence-based, HMRC-savvy, time-efficient. I help high earners stack wrappers and compound on schedule. DM me and let’s make the roadmap.

One day, you’ll leave your business.

The question is… will it actually give you the life you want? 💭

I spoke to a business owner this week who said

“I want to retire in the next 5 years… but I don’t know if I can afford to.”

That hit hard. Because he’s not the only one.

Most business owners have a plan for running their business.
 
Very few have a plan for leaving it.

For most, the sale of the business is the bridge between:
💰 What they’ve saved and 🏖️ What they need to retire

The problem?

Many don’t actually know if the sale will close that gap.

So, if you’re a business owner, ask yourself:
 ❓ Do you know your retirement number?
 ❓ Do you know what your business is worth?
 ❓ Do you know if selling it will give you financial freedom?

The business owners I work with who know these numbers…

✅They stop guessing and start planning.
✅They turn years of graft into the freedom they’ve earned.

Freedom doesn’t come from selling your business. It comes from knowing what that sale really means for you.

➡️ Follow for bite-sized financial guidance that actually makes sense.

🎁 Free Wealth-Building Starter Pack: https://lnkd.in/exC3XvEk

🧠 4 Tools That Will Instantly Improve How You Manage Money: https://lnkd.in/eQ2JKhAs

💬 Want personal guidance? Comment “HELP” and I’ll reach out.

taplio

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