We’re still deep in the pandemic, this is a once in a lifetime public health emergency. In the investing world this is called a ‘Black Swan’, something you thought was impossible, until you see one. We don’t like to focus too much on investments, as we always say to our clients, it’s only ...

In a break from our usual communications and in light of the blanket news coverage relating to COVID-19 Virus, we thought it would be prudent to offer a view of the impact this is having on investment markets. As a business, we are taking precautionary measures to address health & safe...

‘F’ is for…Financial adviser? Yes, BUT ‘F’ is also for Future, Freedom, Forward-Thinking, Fear, Focus and Family. These are all things we discuss with our clients. Not just finance. That’s why we’re not fans of the term ‘Financial Adviser’, because we explore more than just finance with ou...

It’s 2020. But here we are again, still talking about ‘Brexit’ day on 31st January. Whilst we could complain about the uncertainty it has so far brought on and has yet to end, we wanted to spend some time talking about the interest rates. Why do they matter? The last time the Bank of Eng...

As we near the end of summer, it is always a good time to reflect on our 'why' before returning to work or taking on the second half of the year!  The ‘Why’ is our driver. It is our purpose. How do we even begin to find our 'Why'? Why should we even attempt to find our 'Why'? ​ A few ye...

There has been a downward trend in the number of independent financial advice firms since 2008 for a number of reasons, including an increasingly complex regulatory environment and a lack of new entrants to the business. New regulations, including the introduction of GDPR, is putting pres...

The bucket list pension How much do you know about your pension? Sure, we all have one, or two, or three… But many of us don’t know the real value they hold. Even if you’ve been with the same company for the whole of your career, it’s not guaranteed you’ll be able to breeze into retireme...

With the recent turbulence in the markets we are returning to more regular investment updates for those who are interested and more generally to keep you informed on what our investment partners think is going on with the markets. Please feel free to read selectively as we have kept as mu...

The majority of us work, or at least expect to work, until we turn 60 or 65. But is this what we really want? At the risk of being too morbid about things, when you consider the average life expectancy in the UK is 81, that gives us only 15 years to enjoy retirement. Just because it’s the...