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Our Blog

October 14, 2020
October 12, 2020

Can we become blinded by our goals?

It’s the weekend and I’m preparing a roast dinner for my family. Outside it’s cold, wet, windy and a little dark. On the table is a bottle of wine. And in the background, I have the radio on. Could there be anything more British?
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October 28, 2020
September 10, 2020

The journey, not the destination

Have you ever read Into Thin Air by Jon Krakauer or seen the movie Everest? It’s based on the true story of an expedition that goes badly wrong.
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September 1, 2020
August 10, 2020

Best of breed financial planning

Last month we asked you what a ‘world-class’ service meant to you. And we had some very interesting responses.As you’d expect, what’s world-class to one person might not be to another. And sometimes what’s world-class is very simple, but what makes it valuable is that it’s hard to find.
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September 1, 2020
July 8, 2020

What does it take to provide a first class service?

I love the term ‘world class.’ Immediately I think of sporting superstars like Messi, Federer and McIlroy who all light up the world stage with unbeatable performances, each demonstrating exactly why they’re the cream of the crop.
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October 28, 2020
June 3, 2020

What would you do with 100 years?

In 2017 I read a book called ‘The 100 year Life’, by Lynda Gratton and Andrew Scott. The book covers many fascinating themes, but the basic premise is that a child born 100 years ago (Captain Tom Moore, for example) had a 1% chance of living to 100. Whereas research predicts that 33% of children born today will live to be 100.
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September 1, 2020
May 15, 2020

NMA podcast: The NHS pension crisis

Tom and Emma speak to New Model Adviser editor Will Robins about the NHS pension crisis in this 35-minute podcast, recorded last November.
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October 28, 2020
May 4, 2020

The way forward

What is a plan and why do we do it?‍Put simply, planning helps to identify your goals and we do it because it provides a way of achieving them.‍But a plan also enables us to adapt. Without a plan, there’s nothing to grab onto. A little like the Titanic, which famously had 20 lifeboats that could only accommodate 1,178 people, despite the fact that there were 2,208 on board.
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September 1, 2020
April 26, 2020

A guide to using Zoom

We may be carrying out video calls with you using a video conferencing tool called Zoom. This is secure and easy to use – this short video explains how you can use it.
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September 1, 2020
April 1, 2020

We have a plan

By its very nature, financial planning is just that: planning. We can’t know what will happen, so we make sure that even if the worst should take place, you’re protected. We find out when we meet you, what your capacity for loss is, and what your lifetime goals are.
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September 1, 2020
March 25, 2020

It’s not popular, but our investment approach works

The investment industry is known for its different approaches. Some are more controversial than others. One of the more controversial viewpoints is between what we call an ‘active’ and a ‘passive’ investment approach.
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September 1, 2020
February 26, 2020

How big is yours?

How big does a pension need to be? That is the question, or versions of, that I am asked most frequently. I have worked in financial services for 17 years now. What I have learnt over that time and, related specifically to retirement, are two things.
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September 1, 2020
September 10, 2019

Weekly newsletters: Waste of time?

At some point, someone in the marketing department of most investment firms will venture the following: “Well, we had better send our clients something to read, otherwise they will think we haven’t done anything all week. Make it sound important and it’ll justify our fees.”
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September 1, 2020
August 9, 2019

Investments: Are you being sold a concept?

Many investment and advisory firms have a rigid set of beliefs, often referred to as “Our Investment Principles”, or some other grandiose title. Some will claim a contrarian view point just to stand out from the crowd, others will say their modus operandi is evidence-backed.
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September 1, 2020
July 1, 2019

Investment returns: Don’t thank me, thank the ratio

In this article, I’m going to put forward the argument that investment firms, wealth managers and fund houses are actually not doing anything particularly special. That returns are generated by a simple formula and that is the relationship between two broad assets, equities and bonds.
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September 1, 2020
June 11, 2019

An introduction to financial planning

Financial planning is a service where a qualified professional will work with you to develop and understanding of your lifestyle and finances. And with that information, they will map a likely range of future outcomes over a 10, 20 and 50 year period.
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