History teaches us many things. Particularly if we’re looking for a bit of guidance in prudent personal financial management, the last decade offers us a wealth of useful lessons. During the last decade we’ve seen a (hopefully) once in a lifetime global economic collapse, the entire banking system teetering on the brink, followed by a […]

A marriage breakup is usually a traumatic time. Very significant life decisions are needed about custody of children and access arrangements, and where each party will live. Often relations between the parties become quite fraught… and then financial arrangements need to be agreed. At this stage, the difficult areas of dividing up the assets, maintenance […]

You might have heard references in the media to “universal pensions” and to “auto enrolment” of employees in pension schemes. So we thought it might be useful to give you some thoughts about our thinking on these concepts.   What are universal pensions and auto enrolment? Universal pensions are pretty much what it says on […]

One of the more important business activities of any company owner or partnership is the whole area of risk management. Yes of course you have the day-to-day challenges of bringing your products to market, selling, building your brand and your presence, and meeting and exceeding the expectations of your customers through your product delivery. Sitting […]

Lots of factors are currently creating a great deal of uncertainty for investors; Britain breaking up with Europe, President Trump settling into the White House (and everything that promises!) and continuing low growth across Europe. Then when you consider interest rates at rock bottom, uncertainty caused by global terror and other such negative factors, the […]

“Well none obviously” I hear you say. But is that actually the case? This is a really important question, and one that we spend a lot of time on with our clients, helping them to answer it. It is really important because it helps you clarify how much risk you are willing to take with […]

As Benjamin Franklin once said, “in this world nothing can be said to be certain, except death and taxes.” However the good news is that both of these don’t necessarily have to occur together! This is one area that we’ve been getting a lot of queries about from people. As they start to think about […]

We’re not trying to wish our lives away, but there is no doubt that our focus is starting to shift at this stage towards 2017. And as we approach the end of the current year, we’ve been thinking about how we can help our clients even more with all of their financial challenges. As part […]

We thought it might be useful to step back a little bit and review the value that we bring to our clients, in order to make sure we’re meeting your needs as much as we possibly can. We identified ways in which we enrich the lives of our clients and ended up with quite a […]

We understand that building an investment portfolio that meets your specific needs is no easy task. There are a few fundamental principles that we consider when advising you in this regard. First of all, the aim in building a portfolio is not about “picking winners”, as this is a sure-fire recipe for disaster! Instead a […]