There’s a dangerous moment in your investment journey. It usually comes after you’ve achieved some success following proven fundamentals. Everything is working well, your wealth is growing steadily, and then… boredom sets in. The basics start to feel too simple. Surely someone who has accumulated significant wealth deserves a more sophisticated approach? This is when good investors make their worst mistakes. The truth is that the fundamentals haven’t stopped working. You’ve just stopped appreciating why they work. It’s easy to abandon a process that works The fundamentals of wealth building are almost embarrassingly simple – so simple that your mind can rebel against them. Surely something so straightforward can’t be the answer for someone of your success and sophistication? This... Read More

Managing how you spend your money is a key part of long-term financial planning, both while you are working, and during your retirement. Even the most robust and detailed financial plans can be jeopardised if you are spending too much each month. You might be accumulating excessive debt in order to fund your spending, or using your savings and investments. Because of this, it’s important to keep control of your spending. In this regard, it can pay dividends to have a clear idea in your mind about what you will and won’t spend money on. Controlling your spending impulses Understanding where your money goes each month, and what you choose to spend it on, calls for an important level of... Read More

You’ve probably heard a few stories of investors who made a fortune with a single investment decision. The neighbour who bought Amazon early and saw massive returns, or the colleague who invested in AI startups and is now talking about early retirement. When you hear stories like these, it’s natural to feel like you’re being left out. However, for every success story you hear, there are countless others you don’t. Families who chased the next big thing, only to watch significant capital disappear when they backed the wrong company or the hype faded. Every new technology and industry will lead to incredible success stories for some investors. However, for most investors, risking the family financial fortress on isolated bets is... Read More

During an average 24-hour period, there are probably three major demands on your time. These are the: Hours you spend working Time you need to sleep Things you have to do, such as looking after your children, household chores, and shopping. This leaves the remaining time for leisure activities. There are countless books about how to make a success of your working life, as well as guides explaining the importance of developing skills and prioritising your professional development. Likewise, you can find plenty of articles about the health and productivity benefits of a good night’s sleep, and how to ensure you get one. But how many articles or books have you seen about making the most of your leisure time?... Read More

Your reviews have helped me gain a coveted spot in the Telegraph as part of VouchedFor’s Top Rated guide. The guide was distributed in the Times earlier this year, and now, on 25 June, it has been published in the Telegraph too. So, once again, I’m writing to thank you for your support. Your incredible reviews led to me securing a score of 4.9 out of 5 and marking me as one of the Top Rated financial advisers in the UK. With 92 reviews from real clients to browse, those seeking financial advice can feel confident in my skills and that I’ll work with them to offer advice that aligns with their best interests. With just 2,633 financial advisers in... Read More