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Rakhee Wood - Independent Financial Planner

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Rakhee Wood - Independent Financial Planner

I’m Rakhee Wood, an Independent Financial Planner who believes we should all enjoy independence and confidence with our money for better, brighter futures.

14/10/2026

🎙️ Have you heard of SKI-ing in retirement? ⛷️

No, I’m not talking about hitting the slopes!

SKI stands for Spending the Kids’ Inheritance, and it’s something I recently had the pleasure of discussing with Bill Buckley on BBC Radio Berkshire.

After spending decades working hard, saving and building up their wealth, many people find it surprisingly difficult to actually spend their money.

But retirement shouldn’t just be about how much you leave behind. It should also be about enjoying the life you’ve worked so hard to create.

That’s where good financial planning comes in. It’s about having the confidence to know what you can afford to spend, without worrying about running out.

A big thank you to Bill and the BBC Radio Berkshire team for having me!

🦋 Are you planning to SKI in retirement, or would you rather leave as much as possible to the next generation?

12/10/2026

£1 million in your pension. Would you feel rich enough to retire?

Delighted to contribute to The Sunday Times article on how much we really need to retire comfortably.

The answer is, it depends!

It is not just about how much you have saved, but the life you want to live, when you want to retire and how long your money needs to last.

That is why financial planning is so important.

It is about making sure your money works for the life you want, both now and in the future

Not sure what your number is? Lets have a chat.

Thank you to Alice Wright for including my thoughts and to Dominic Hiatt and Douglas Patient for the opportunity.

Link to the full article in the comments.

23/09/2026

Yesterday morning, I was on BBC Radio Berkshire talking to Bill Buckley about SKIing in retirement. 🎙️🎿

That’s Spending the Kids’ Inheritance — my skiing skills weren’t being put to the test!

We had a lovely conversation about enjoying the money you’ve worked hard to save and deciding how much you want to leave for the next generation.

It’s something that brings up all sorts of feelings. You want to enjoy yourself, you might want to help the children, and you also want to know you’ll be okay in years to come.

I often meet people who are frightened to spend their savings. The question they keep coming back to is: “Have I got enough for me?”

Having a clearer picture of that can make such a difference.

As I said to Bill, we want to enjoy the time that we’ve got.

It was an absolutely amazing experience. A big thank you to Bill for having me and to Lauren Stanley for helping make it happen.

If you could choose one retirement treat or adventure, what would it be?

18/09/2026

Yesterday was Bank of England announcement day.

The base rate was held at 3.75%. No cut. No rise. Just a pause.

And here are the boys, looking exactly how most people feel when someone says:

“Shall we have a quick chat about interest rates?”

One is ready for the weekend and thinking about Parkrun.

One is wondering if snacks are available.

Fair enough.

Interest rates can feel dry, but they do matter.

They affect mortgages, savings, borrowing, business cashflow and the choices families make around the table.

So, as we head into the weekend, the message is simple.

Do not panic over one headline.

Look at the full picture.

What do you need now?
What might you need soon?
What are you trying to build for the future?

That is the bit that matters.

Happy Friday.

15/09/2026

What can you still buy for £10 that cost £10 in 1972?

Not much, I imagine.

But the Christmas Bonus paid to eligible pensioners has stayed at exactly £10 for more than 50 years.

I was asked by the Express whether scrapping it could help protect the State Pension triple lock.

My view is simple.

Removing a £10 annual payment is not going to solve the much bigger question of how we fund the State Pension in the future.

We cannot control what future governments will do.

But we can plan around what we know today and give ourselves more choices for the future.

Thank you to the Express for including my thoughts.

08/09/2026

Martin Lewis has been talking about energy bills again recently – and whether now might be a good time to fix your tariff. 👀

There’s a good reason why.

The Energy Price Cap rose by nearly 13% in July and is due to rise again in October. There are also deals available below the Price Cap, so it could be worth taking a look at what you’re currently paying rather than simply letting your existing tariff roll on.

A few things worth knowing 👇

🦋 The price cap does not put a limit on your total bill. What you actually pay still depends on how much energy you use.

🦋 If you are on a standard variable tariff, changes to the price cap can affect what you pay.

🦋 A fixed tariff gives you more certainty over what you will pay for each unit of energy, but whether fixing is right for you will depend on the deal available and your own circumstances.

It caught my attention because we’ve just changed energy company ourselves.

It’s one of those jobs that’s very easy to put off, but with a busy household, two electric cars and plenty of washing, our energy use certainly adds up!

So we sat down, looked at what we were actually using and compared the options available to us.

And it was worth doing.

Not particularly exciting, perhaps – but definitely worthwhile. 🦋

03/09/2026

A little Butterfly moment I have been meaning to share, and a proud wife moment too 🦋😊

Back in July, Jon was featured in This is Money, commenting on the incredible continued success of Agatha Christie’s work.

Nearly 50 years after her death, Agatha Christie Limited made £20 million in profit last year.

Books, television, film, stage and even jigsaws. Her stories are still finding new audiences and creating value all these years later.

Jon’s point was an interesting one.

It is not simply about having something valuable in the first place. It is about looking after it carefully, thinking long term and adapting without losing sight of what made it successful.

I think there is something we can all take from that.

And, of course, I am very proud to see Jon and Butterfly Financial Planning featured 😊🦋

I will pop the article in the comments if you fancy a read.

28/08/2026

We have just returned from Uganda—a true bucket list adventure.

We went on safari, spotted both the Big Five and the Ugly Five, did some white-water rafting on the River Nile, met the lovely Joshua Cheptegei, learned how to make delicious coffee, and most precious of all, we visited where my mum lived and spent real time as a family. The Ugandan people were so friendly and welcoming.

That balance is what I am here for—enjoying today, knowing tomorrow is planned. And if you ever need a reminder to step off the treadmill, you know where to find me.

24/08/2026

A pay rise taking you over £100,000 sounds like great news.

But you might be surprised by how little of that extra income you actually see.

I recently spoke to London Daily News about five things higher earners can easily overlook when it comes to tax:

•Not reviewing pension contributions
•Taking a bonus without considering the tax impact
•Assuming more salary means proportionately more take-home pay
•Losing valuable childcare support
•Not understanding how tax thresholds can affect your income

This is where good financial planning matters.

I often think of financial planning like a game of chess. You are thinking about the here and now, but also what each move means for your financial future.

You can read the full article here 👇

https://www.londondaily.news/earn-over-100k-adviser-reveals-5-tax-mistakes-that-can-wipe-out-your-pay-rise-and-how-to-avoid-them/

15/05/2026

“Yes, without doubt and actually I would say the level of service has far exceeded my expectations. The personal relationship and help long the way is really appreciated. They are always at the end of the phone for any support or advice”.

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