News & Articles
Our library of blog articles is a free resource we provide to help our clients and prospective clients understand their finances better. If you have any specific questions about planning your wealth to achieve your goals, then please contact us.
27 Aug 2024
Don’t set FIRE To your life
Saving all your life and then dying before you get to enjoy retirement sucks. But so does scrimping all your 20s, 30s and 40s to get FIRE (Financially Independent Retire Early). For some clients, there’s a great third way Sometimes you read a headline that you both admire for being… Read More
24 Jul 2024
How to invest successfully
Investing your money can be a daunting prospect. You may have read about and be deterred by high fees, underperforming funds and opaque investment strategies, Or you may be attracted to the next big shiny exciting thing that everybody’s talking about (insert latest meme stock, cryptocurrency, loss making tech firm… Read More
22 Jun 2024
RSU’s Simplified- Your Path To Smart Tax Savings and Financial Growth
When it comes to tech wealth, restricted stock units (RSUs), and employee stock schemes, Elon Musk’s situation highlights the value of managing your investments, minimising your tax liabilities, and maximising returns. The serial entrepreneur has wealth into the hundreds of billions of dollars, recently confirming his 2021 tax bill was… Read More
17 Apr 2024
The most important money concept that Daniel Kahneman taught us
The Nobel prize-winning psychologist Daniel Kahneman died at the age of 90 at the end of March. He became synonymous with behavioural economics and finance even though famously he never took a course of economics. In his best-selling book Thinking, Fast and Slow he debunked the notion that people are… Read More
17 Apr 2024
The Death Note
Every couple and family should have a document that explains what to do and who to contact when they die. Here’s how I would start mine.- “ Sorry I am dead. The people that will be most helpful are…..” Nobody wants to think about this which is why the note… Read More
07 Mar 2024
When should I engage with a financial adviser?
Many people are unsure when and whether they should start working with a financial adviser. Is it 2 years before retirement, is it 20 or 30? This is a question more and more people will be asking in the coming years. The number of people aged over 64 in England… Read More
31 Jan 2024
Market Review of 2023 – The everything rally
Markets in 2023 finished the year very differently from how they started it. The FTSE All World Index in sterling terms ended the year up 22% offsetting 2022’s fall of 18% bringing index levels up to the highs of 2021. The strong performance however masked some big differences in… Read More
31 Jan 2024
The Frustration of Diversification
The website Visual Capitalist recently published an article showing the best-performing asset class for each decade since 1950. Even with hindsight of news and current affairs it would have been impossible to guess these outcomes in advance. Look no further than the 2010s . As the smoke was… Read More
31 Jan 2024
How do I get my risk averse husband to invest?
For most people, cash feels like a weighted blanket. There’s comfort in knowing its value while it collects interest in a bank account, accessible at any time. It’s not easy to convince your partner to assume more risk after he’s used to a certain level of security. Cash looks good,… Read More
31 Jan 2024
Looking after number one – 10 weight loss tips for the New Year.
What good are our investments and our money if we are not healthy enough to enjoy eventually spending them? Why should we care about our tax efficient portfolio if we aren’t fit enough to partake in the experiences we have lined up for when we retire? It’s all about looking… Read More
16 Oct 2023
How to achieve high tax equivalent risk free returns using government bonds.
UK and global government bonds have had a rough ride of late. To be fair, it’s not often in history that central banks raise rates from 0% to 5.25% in the space of 18 months. The recent price falls however have exposed a specific tax driven investment opportunity. It’s worth… Read More
04 Oct 2023
Why you shouldn’t worry about falling house prices
Recent data has been crystal clear. The trend is undeniable. The Halifax House price index has fallen for five consecutive months. In August, prices decreased by 1.9% month on month while on an annual basis, prices have fallen 4.6%, which is the biggest annual decrease since the financial… Read More
