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.
01 Oct 2024
Zen and the art of just being logical about life insurance!
In this article, no bereft spouses or tearful orphaned children were harmed by being used as commercial props to sell you insurance. In Ancient Greece, they came up with three ways of persuading a person to see the validity of an argument: appealing to your emotions (or pathos), if I… Read More
01 Oct 2024
Should we be doing anything before the October 30th budget?
Financial planning is based on forecasting future cashflows using reasoned and reasonable assumptions and making recommendations so that clients can achieve their goals. It is not based on complete guesswork. We can only advise on the rules and legislations that exist now. With this very large caveat however, are… Read More
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
06 Jun 2024
The parents’ guide to paying for university and student loans
If your child will be going to university this year or is planning to further their education in the future, you undoubtedly feel proud. However, you may also worry about what it means for your child financially. As a parent, it is important to understand what expenses students face, how… 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
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