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.

Eliud Kipchoge & The Power of Great Planning

Photo Credit: @herbert_kapfinger Last weekend in Vienna, Eliud Kipchoge became the first person in history to run a marathon in under two hours with a phenomenal time of 1 hr 59 mins 40 secs. A jaw-dropping achievement with casual runners like me marvelling at the frankly ridiculous pace of 4 mins 34 secs per mile, … Continued

Can You Afford to Make a Mistake With Your Finances?

One of the benefits of using an advisor is the ability to get it right from day one. No need to correct costly mistakes later. What is difficult to appreciate about paying for advice is that you can’t put a figure on the value of avoiding mistakes if you don’t end up making them. It’s … Continued

Doubt, Nervousness and the Fear of Being Judged

Whilst out at dinner with my family recently to celebrate our daughter’s 9th birthday, I cracked a tooth on a Chinese spare rib. I knew it was bad straight away and a trip to the dentist the following week was inevitable. I am fortunate, however, because my wife Bonnie is a dental professional and although … Continued

Don’t Believe The Hype

A few words on the suspension of ‘star’ fund manager Neil Woodford’s UK Equity Income investment fund, which consumed my professional news feed yesterday and spilt into the broader headline news. And I honestly thought about stopping right there. But that would miss the opportunity to help remind investors of some valuable investment basics. Past Performance … Continued

Life Expectancy – You Are Not Average

That’s my parents on the cover picture. In a few days, my dad turns 96. Yep, you read that right. My dad will be 96. Not my grandfather, my dad. He’s in pretty good shape and continues to live an engaged, active and independent life. My mum, although younger, is still a good 84. When … Continued

ISA & CGT Allowances Could Save You £57,000 in Tax

Most tax allowances are provided on a ‘use it or lose it’ basis and annual tax planning is, therefore, a must. Often overlooked, the consistent and methodical use of available tax allowances can significantly enhance the after-tax position of an investor, in turn aiding the earlier accomplishment of financial planning goals. Until now, I’ve never … Continued

Home Bias – A UK Perspective

In the first few weeks of 2019 the topic I’ve heard mentioned more than any other, and one that might be new to you, is the investment principle ‘home bias’. Home bias is well documented as the tendency for investors to over-allocate assets to their home market, ignoring to varying degrees, foreign investments. There are … Continued

Don’t Worry Be Happy

You might think that the sole reason for hiring a financial adviser is to help you manage your money and finances better. An office-bound, number crunching, spreadsheet warrior, so to speak. That is, of course, one part of what I do. But overlooked and often misunderstood is the unique opportunity I get to help our … Continued

Personal Finance Awards 2018/19

In company news, on the evening of November 22nd, I attended the ‘Personal Finance Awards’ with my wife Bonnie, held at the Intercontinental O2, where I was shortlisted as a finalist for the UK’s ‘Investment Planning Specialist’ of the year. The Personal Finance Society is the professional body for the financial planning community and part … Continued

The 7 Stages of Financial Enlightenment

We live in a world of instant gratification. Waiting more than 2 minutes for anything these days is an injustice. And here I am asking for five. Google, Amazon, YouTube and Netflix exemplify the demands of ‘I want it now’ consumerism. It permeates everything, including financial advisory goals. Swathes of savers and investors want immediate … Continued

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