22
May
2026

Thinking of downsizing? Here’s how to make a success of it

Part of your retirement planning may involve downsizing to a smaller property once you have finished working. Indeed, Leading Property Lawyers reported that a third of people moving house in the last year had chosen a smaller property, and that the average age of a home mover was 60. The decision to downsize can be driven by a variety of factors, including financial considerations, lifestyle changes, and “empty nesting”, resulting in having more space than you need. However, before starting the process and putting your property on the market, it is important to recognise that there are pros and cons, and that it’s a decision that can’t be rushed. Read about some of the advantages and drawbacks of downsizing and...
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21
Apr
2026

Should you pay your child’s university costs? The truth most families avoid

The cost of further education often comes up in conversations I have with clients. Parents are understandably concerned about the debt their children are likely to accrue and are looking for ways to mitigate this. If you’re in this position yourself, you may assume that the best way of helping out is by paying up. But that’s not always true. Indeed, I would go as far as to say that paying your child’s university fees could be one of the less effective financial decisions you make. Read why I think that’s the case. Understanding the cost of a degree Firstly, let’s get the stats out of the way. Tuition fees Tuition fees at universities in England and Wales are capped...
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15
Apr
2026

How should you react to the ongoing events in the Middle East?

At times of extreme uncertainty, you’ll hear from me. This bulletin is in direct response to the latest conflict that has erupted in the Middle East, specifically in Iran. Put aside the very real human devastation, the war’s morality, and the political and financial drivers. We’re all human, and we’ll have opinions and feelings about such events. As your financial adviser, my main job is to manage the understandable financial anxiety you feel about your family’s life savings during such events. If we use history as our guide (it’s the only guide we have and there are no factual details about the future until it happens), the stock market – a collection of real businesses run by adaptable humans –...
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24
Mar
2026

Why you need F-you money, and 5 ways to build it

How often have you wished your life weren’t dictated by money? That you had the confidence to walk away from a job or a situation without worrying about the financial implications? That’s why I believe everyone needs “F-you” money. Or call it your “freedom fund”, if you prefer. The type of wealth that means you’re not financially dependent on any employer, client, or scenario, giving you the choice to stay or go. So often in life, we feel we have to simply put up and shut up because we can’t afford to leave a situation that is making us stressed or unhappy. There can be a powerful psychological shift when you don’t feel this way, however. Not “needing” a particular...
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16
Mar
2026

I’m among the UK’s Top Rated thanks to your reviews

I’d like to say a huge thank you to all my clients for your ongoing support and the reviews you’ve left me on VouchedFor. Your reviews mean I am a Top Rated Adviser for the eighth year running. It’s a privilege to be included in VouchedFor’s Top Rated guide, which is published in the Times this weekend.     As you may know, VouchedFor is a review platform that allows the clients of financial advisers and planners to leave honest, verified feedback. As a result, it’s a valuable tool for those seeking professional financial advice. Your reviews and my inclusion in the Top Rated guide support my business ambitions and will enable me to help more people achieve their financial plans...
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6
Mar
2026

Why 3 strong years of investment growth are no guide to what will happen in 2026 and why it doesn’t matter

Global equity investors have enjoyed a remarkable run. The S&P 500, a major US stock market index, rose 24% in 2023, another 23% in 2024, and 16% in 2025. With long-term average returns in the 8-10% range, three consecutive years of above-average performance are something to be grateful for. This time last year, I discussed with many clients the possibility that downside volatility could return after two strong years. It did. Tariff concerns drove a sharp decline in March and April, testing investors’ resolve worldwide. But markets recovered strongly, and those who stayed the course benefited. We started 2026 with the same mindset, and recent events in the Gulf have challenged investors in the same way. Markets have historically tended...
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