Short, plain-language notes on things that actually affect your money. No market calls, no hot tips, nothing you need a glossary to follow.
Home Notes
Written for clients, published for everyone. If there is something you would like explained, tell us and we will write it.
What your family will actually have to do, which forms they will need, and the three mistakes that turn a two-week process into a two-year one.
Read the note → Article image slot · 16:9 Protection · 5 August 2026Most families hold cover sized to a premium they were comfortable paying, rather than to what a dependant would genuinely need for twenty-five years.
Read the note → Article image slot · 16:9 Portfolio · 28 July 2026Not because they return more — because of what they do to the shape of your drawdown when you actually need to withdraw.
Read the note → Article image slot · 16:9 Investing · 21 July 2026The honest answer depends on what you are actually asking: which produces more, or which you are more likely to see through.
Read the note → Article image slot · 16:9 Foundations · 14 July 2026The least exciting part of a portfolio, and the part that decides whether the rest of it survives contact with real life.
Read the note → Article image slot · 16:9 Investing · 7 July 2026One page a month, published by every fund house, containing almost everything you need to know — and almost nobody reads it.
Read the note →A note explains the principle. A conversation works out what it means for you.
