The question of how to invest is an important one, never more so than in a time of stock market turbulence. 2018 has seen one of the US stock market’s worst ever days, followed by a six day rally, but all adding up to a resurgence in volatility. So, how to invest (and...

Do you need a Financial Advisor? Yes. You do. We all do. Why? Because expert independent financial advice will save you from making poor financial decisions and guide you towards a consistent and disciplined investment strategy. But don’t just listen to me, here’s the...

It’s not a subject we like to dwell on but it is important to know what happens to our money after we die. Knowing the processes involved (and how long they take) is a great motivation to structure our finances in a way that makes it as easy as possible for our...

A question I get asked countless times is, how much do I need to retire? While there is no exact answer, and certainly not one figure that applies to everybody, there are two methodologies we can use to come to a conclusion. The Salary Method You’ll probably have seen...

Downsizing your home is a big decision that requires plenty of thought and planning. A large home and garden is wonderful for raising a family but it may not be the right place for you once the kids have flown the nest. Downsizing is often a very attractive...

Made simple, really? OK maybe I’m setting the bar too high but I want to tell you all you need to know about pensions. I’m bored already. Wait, this is important. Just give me 2 minutes of your time. OK, go on then, why do I need a pension?  Because your income could...

While scarcity and affordability is a major problem for many young people considering buying their first home, there remain many reasons why you should strive to own your own home. 1. Inflationary Asset Although inflation is at cycle lows right now, it will return. It...

We’ve all thought about it, most of us have done it, some of us have made big gains, many of us have been burned. Many ‘experts’ endorse it as a perfectly sound investment strategy. Not me. Here’s why you should never buy an individual share... 1.   Going to Las Vegas...

Investing money demands care and consistency. Our investment philosophy consists of six golden rules based on global best practice which we apply to every client portfolio. 1. Have a Plan and a Process A stable decision-making process through boom and bust eliminates...