Albert & Mae Wealth Management

Albert & Mae Wealth Management Clear, understandable financial planning.

Qualified Financial Adviser
🌱Specialist in life transitions: career, motherhood, divorce, retirement
💫Empowering you to financial freedom

Tell me which one resonates with you the most? Or have you got your own?
21/07/2026

Tell me which one resonates with you the most? Or have you got your own?

16/07/2026

I think unpaid parental leave is one of the most overlooked workplace benefits available to parents.

It’s easy to dismiss because it’s unpaid, but I wonder how many families have ever actually considered it as part of their wider financial planning.

When we chose term-time nursery for our youngest, we worked out it could save us around ÂŁ4,500 a year compared with spreading funded hours across the full year.

Having those numbers meant we could stop and think about our options. We could look at the cost of childcare alongside everything else and decide what made sense for our family, including whether unpaid parental leave had a place in the mix.

It won’t be the right answer for everyone, and that’s exactly the point.

Having a plan gives you a structure. It helps you understand the numbers, look at what’s available to you and make decisions based on your own circumstances, rather than assuming there’s only one way to do things.

That’s one of the reasons I enjoy financial planning so much. Sometimes the value isn’t finding a new solution. It’s simply seeing all of the options clearly enough to choose the one that’s right for you.

13/07/2026

🚨☀️ With summer holidays looming please don’t forget to use your Tax-Free Childcare account to pay for holiday clubs right up until age 11!

If you’re eligible for Tax-Free Childcare, the government adds 20% on top of what you pay into your account, up to £2,000 a year per child (or £4,000 if your child is disabled) until your child turns 11.

So, it can be used to pay for:

✅ Registered childminders
✅ Nurseries and preschools
✅ Nannies
✅ After-school and holiday clubs
✅ Some play schemes and activity camps

07/07/2026

Time is your biggest advantage when it comes to building wealth.

Yet it’s also the thing we assume we’ll always have more of.

Don’t wait until life forces a decision. Plan while you still have options.

30/06/2026

Today I paid Harry’s very last nursery invoice.

It’s one of those milestones that feels exciting…(and a little emotional). In September he’ll be starting school.

It also means a big monthly cost disappears.

This is the point where it’s really easy for that money to simply absorbed into everyday spending. And sometimes that’s exactly what’s needed.

But if you have the opportunity, this is one of those moments worth thinking about.

Rather than letting that money become absorbed we’re choosing to be intentional with it. Some will go towards the wraparound care but the rest will be redirected into longer-term saving and investing.

Wealth is rarely built through one big financial decision. More often, it’s built through lots of small, deliberate choices like this, repeated over time.

Life is full of these “money moments” – a pay rise, finishing childcare, paying off a loan, a bonus. They can easily come and go without changing anything.

Or they can become an opportunity to move a little closer to the life you’re trying to build.

Being intentional doesn’t have to mean doing something dramatic. Sometimes it’s simply deciding where your money goes before it finds somewhere else to go.

Looking back over the plans I’ve written this quarter, the same themes keep appearing:More freedom.More time with family...
22/06/2026

Looking back over the plans I’ve written this quarter, the same themes keep appearing:

More freedom.

More time with family.

More travel and experiences.

Less financial stress.

It’s rarely about the pension, the investment, or the numbers on the page.

They’re important, but they’re not where I start.

I start with the life someone wants to live and then build the plan around that.

11/06/2026

Start with your goals. Not the headlines.

This content is for financial education purposes only and should not be taken as financial advice.
The value of your investment can go down as well as up. may fall as well as rise. You could get back less than you invested.

I’m all for extra income - especially as expenses just keep rising. But let’s be real - if we’re just spending all of th...
08/06/2026

I’m all for extra income - especially as expenses just keep rising.

But let’s be real - if we’re just spending all of that extra income, we’re not really creating any flex for ourselves. We’re just tying ourselves more into having to work harder.

So I suppose I’m curious… how are you approaching this? Do you want to create long term freedom too?

02/06/2026

What would an extra month with your children every summer mean to you?

Many working parents don’t realise they may be entitled to unpaid parental leave.*

The challenge, of course, is that taking time away from work often comes with a financial cost.

That’s why, when I work with clients, we start with the life they want to live.

Do you want to spend more time with your family?

Reduce your hours?

Take a sabbatical?

Change careers?

Retire earlier?

Once we’ve identified the goal, we can build a plan around it.

This is the kind of detail I love exploring with clients. Not just investments and pensions, but all the practical options available to help create the life they want.

Because financial planning isn’t really about money. It’s about having the freedom to make choices that align with what matters most.

*In the UK, eligible employees can take up to 18 weeks of unpaid parental leave per child before their 18th birthday, subject to eligibility, notice requirements and employer policies.

This content is for financial education purposes only and should not be taken as financial advice.
The value of your investment can go down as well as up. may fall as well as rise. You could get back less than you invested.

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