Rakhee Wood - Independent Financial Planner

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.

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

A little Butterfly moment I have been meaning to share, and a proud wife moment too 🦋😊Back in July, Jon was featured in ...
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.

We have just returned from Uganda—a true bucket list adventure. We went on safari, spotted both the Big Five and the Ugl...
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.

A pay rise taking you over £100,000 sounds like great news.But you might be surprised by how little of that extra income...
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/

“Yes, without doubt and actually I would say the level of service has far exceeded my expectations. The personal relatio...
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”.

How can we close the gender wealth gap?It starts with better conversations around money.Women often face unique financia...
13/05/2026

How can we close the gender wealth gap?

It starts with better conversations around money.

Women often face unique financial challenges — from career breaks to smaller pension pots and lower investment participation. That’s why accessible advice and financial education matter more than ever.

Confidence, knowledge, and long-term planning can change outcomes.

Part 1/2

Proud to be featured in The Times discussing the gender wealth gap — an issue still impacting women’s financial security...
26/03/2026

Proud to be featured in The Times discussing the gender wealth gap — an issue still impacting women’s financial security across the UK.

From career breaks and unequal pay to confidence and access to advice, there are real reasons this gap persists. But there are also real solutions: start early, talk openly about money, and build financial plans that evolve with you.

My passion for this work started young — helping my mum navigate her finances during her divorce. It showed me just how powerful the right support and guidance can be.

That’s why I’m committed to helping women feel confident, informed, and in control of their financial futures.

A huge thank you to Holly Thomas for giving me a voice and capturing this so beautifully.

Grateful to be part of this important conversation — and to keep pushing for change.

We have a new Labour Government!! To some this will be 👍 , to others, it will be 👎 and many more will be 🤷‍♀️ WHAT DOES ...
05/07/2024

We have a new Labour Government!!

To some this will be 👍 , to others, it will be 👎 and many more will be 🤷‍♀️

WHAT DOES THIS MEAN FOR YOUR MONEY?

As this graph illustrates if we look back in time over 70 years then UK stocks have trended upwards ⬆ no matter who is in power.

Investors are rewarded for time in the market 📈

The companies that we invest in are focused on serving their customers and growing their business, regardless of which government is in charge.

According to Labour’s manifesto they are seeking to kickstart economic growth by delivering a new partnership with businesses to boost growth everywhere, so by implication we are all batting on the same side. 🙌

Happy Friday, Come on England! ⚽

Hello – is it me you’re looking for?Are you fed up of going from pillar to post to work out the best financial plan for ...
31/05/2024

Hello – is it me you’re looking for?

Are you fed up of going from pillar to post to work out the best financial plan for you?

You work hard for your money and you want to ensure your money works hard for you.

We all know that life is not a rehearsal but trying to get to the answers that are specifically right for you and working out an action plan feels like wading through treacle.

Does your accountant say you need an IFA and your IFA say you need a broker but your solicitor says you need a mortgage adviser 😱WHATTTTTT?

You don’t know where to turn so you carry on with day-to-day rigours of life suppressing all of these ideas and carrying on regardless?

We can help you, calming your mind and bring laser-like focus.

How?

For those that don’t know Jon is my husband and we’ve been together longer than we haven’t if you see if what I mean.

Jon ran his own successful accountancy practice for 8 years which he sold. We were ships passing in the night and had two young kids and never anytime for each other – so we took our own medicine/advice to achieve our best life and put all our eggs into the Butterfly Financial Planning basket. This means we are now working as a team in all aspects of our life rather than separately.

We are now a hot-smoking powerhouse couple, and Jon’s accountancy and tax hat gives us the edge. He provides business consultancy services included in our package so we can make the right decisions for you. 🔥

Our overall job is to

• Join up the dots for both you personally and the business
• Answer your burning questions about what to do with your hard-earned cash.
• Provide solutions that are bespoke to you.

Because of Jon we can take you off the treadmill and provide a complete and coherent analysis of the here and now and project forwards.

If we need to involve another expert then with your permission we will match your needs and even your personality with the right professional, furnish them with a summary of your position and objectives, so that they are onboard with you even before you speak to them.

Ultimately our aim is to be your point of contact on your financial journey through life.

What burning questions do you have around pensions? This is your opportunity to ask them.I am going to be talking all th...
29/05/2024

What burning questions do you have around pensions?

This is your opportunity to ask them.

I am going to be talking all things pension with my Midlife Money Conversation friends on Friday. In the past when talking about this subject people have said I have put the light on in a dark room for them.

This is sample of some of the questions I often receive:

• When is too late to start a pension?
• How will I know if my pension is sufficient?
• When can I take my money?
• How can I take my money?
• What happens to my pension when I die?

What is your question? Please share it with me and I’ll do my very best to answer it.

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Tweedy Road
Bromley
BR13FE

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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