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.

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

17 Apr 2024

Is succesful investing down to skill or luck?

What is considered to be the best ever performing investment fund in history is one that most of us have probably never heard of. It’s not Buffet’s Berkshire Hathaway. It’s the Medallion Fund run by Renaissance Technologies. From 1988- 2021 the fund has… Read More

07 Mar 2024

Guide: 7 allowances you might want to use before the end of the 2023/24 tax year

When a new tax year starts, many allowances reset. So, checking if you could make use of allowances before Friday 5 April 2024, when the 2023/24 tax year ends, might be valuable. This guide explores some of the allowances that could help your money go further. You might discover you… 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

23 Sep 2023

How to decide when nothing is certain

Because our clients are of the human variety, a lot of them want certainty in planning. They want to know that this decision will turn out right or that they will be able to achieve this or that goal. We think we are a good firm, but certainty unfortunately is… Read More

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