Insightful commentary

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...

Tom and Emma speak to New Model Adviser editor Will Robins about the NHS pension crisis in this 35-minute podcast, recorded last November. We explain how Annual Allowance taper rules have generated substantial tax bills for consultants, and what the effect of that has been on the...

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...

https://youtu.be/dlT5OHw2Udg 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....

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...

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.  Those who support ‘active’ investing believe they can beat the market by buying...

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...

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.”  Weekly...

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.   If...

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. An...