This is our blog page where we hope to pass on valuable information, which could help you be better prepared when dealing with your financial arrangements. Whether we explain basic principles, debunk financial myths, or provide general tips, this page is an opportunity for us to share our thoughts which can help you make better financial decisions.

But to be clear. We’re not providing personal advice here (you have to pay for that I’m afraid!) and any arrangements that you make having read these pages are entirely your own affair.

We don’t believe in forecasting the future, and in the event that we discuss specific products, funds or assets here, our opinion should be taken as that, our opinion and not a personal recommendation to buy or sell.

The Soul of America

The storming of the US Capitol last week, and the way it was handled, shocked many. But history clearly shows a long line of shocking moments that are more common than we care to know or remember. We have been here before. Moments in history. For example, the assassination of President John F. Kennedy on … Continued

Remember March? It Was Wild

So that’s it. Christmas week is upon us and 2020 is nearly at an end. What. A. Year. Other than the bleedin’ obvious, you’ll have your own reasons for remembering 2020. Hopefully, some are good. But what you might have already forgotten, or purposely avoided at the time, were the crazy days of March when a … Continued

Market Timing is a Mug’s Game (Part Eleventy)

Under normal circumstances, I don’t follow or comment on the daily ramblings of the stock market. But on Monday the UK’s stock market (FTSE 100) ended the day up by 5%, and the American market (still open as I write) reached an all-time high. I write to you today because there is a lesson to … Continued

What Next?

Recession. What next? Well, I was going to write something original, but I read a great piece by fellow financial planner and friend of mine Matt Aitchison at Clear Vision Financial Planning. His own note to clients touched on all the points I would likely make myself. So, I thought why reinvent the wheel? With … Continued

A New Definition of Wealth

In a change to my regularly written missive, I bring to you a short video conversation I had with the author, academic and behavioural finance expert Brian Portnoy Ph.d CFA. Brian regularly speaks on and coaches financial wellness across the globe. In his two books, The Investor’s Paradox and The Geometry of Wealth, he tackles the challenges … Continued

Stay in Your Lane

Remember when oil prices went negative a few weeks ago? How is that even possible? I mean I get it now, but I couldn’t have comprehended it before the event. Below is a short extract from a story I read this week in Bloomberg News on how it played out for one person. It might … Continued

When Something Is Taken Away

Only when something is taken away, do we truly realise its value. It’s been four weeks since the UK Government introduced the Covid-19 response, suspending our ability to move freely. The expectation is for another month in isolation, maybe more. It’s needed of course. There are many suffering from medical and financial hardship.  But there … Continued

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