Designing a Financial Future That Works for You (ft. Kris Amliwala, Chartered Financial Planner)

In this episode, we’re joined by Kris Amliwala, Chartered Financial Planner and Registered Life Planner at Designer Wealth. Chris shares how he blends technical expertise with life planning principles to help clients design a financial future that aligns with their goals, values, and lifestyle.Kris explains his journey from pharmaceutical sciences into financial planning and how a life-first approach is central to the way he works. Rather than starting with products, Kris begins by understanding what clients want from life, then builds a financial plan to help them get there—whether it’s a stress-free retirement or more time with family now.He shares insightful real-world examples, including a business-owning couple in their 50s who sold their company to gain financial freedom, and a 30-something digital nomad using clever tax and investment strategies to grow wealth while living abroad.We explore important topics like:Cash flow forecasting from now to age 100Tax-efficient extraction of profits from a businessUsing pensions and VCTs to reduce tax and build personal wealthPlanning for a business exit, even if that’s years awayKris also highlights a common pitfall: business owners relying solely on their business as a retirement plan. He outlines how to shift that mindset and start building personal wealth outside the business.If you’re a business owner wondering if you’re financially on track—or how to become financially free while still enjoying life—this episode is packed with practical advice.Get in touch with Kris: https://www.linkedin.com/in/krisamliwala/