Notes on money, tax and retirement
Short notes from our advisers on the questions clients actually ask. No forecasts and no product pitches.
What we do when markets fall
Not much, deliberately. The decisions that protect a plan in a bad year were taken in a good one.
17 March 2026 · Nisha Patel
Selling a business: the work that happens a year before
By the time the money lands, most of the decisions that mattered have already been made. A calendar of them.
3 March 2026 · Daniel Okoye
The tax year-end list we work through every March
Allowances used in the right order, before 5 April. The order matters more than most people expect.
24 February 2026 · Mei Chen
What a financial plan actually contains
People arrive expecting a folder of charts. What they get is a short document that answers four questions and says what to do first.
10 February 2026 · Claire Ashworth
How we charge, and why the fee is on the website
Three numbers, published, unchanged since 2019. Here is what each one covers and what it does not.
27 January 2026 · Claire Ashworth
Should you consolidate your old pensions?
Tidiness is not a reason on its own. Four things to check before moving anything, including the one guarantee people throw away by accident.
13 January 2026 · Gordon Frayne