The quality of being

  • clear
  • coherent and intelligible
  • certain or definite
  • transparent


  • advice or information aimed at resolving a problem or difficulty, especially as given by someone with relevant knowledge
  • something that guides


  • the way in which two or more people or things are connected, or the state of being connected
  • the way in which two or more people or groups regard and behave toward each other – the client-adviser relationship

Too Much Information?

Today you are unlikely to complain about a shortage of information – type a question into a search engine like Google and in less than one second it returns millions of results and links to answers. Today we complain about too much information, and how difficult and time consuming it is to filter good and relevant from bad and irrelevant.

Information overload and scarcity of time is the reason our clients place a high value on the clarity we create for them. Clients regularly tell us that our work with them leads to better understanding of their financial situation than anything they’ve previously experienced.

Are You Asking the Right Questions?

With a good understanding of the flow of money over your lifetime, the question of where it should be invested becomes easier. Instead of searching for investments offering the maximum return at the lowest risk (a fruitless task), you can make informed decisions about where to save and invest your money, as well as how much you can spend.

Often there’s more than one solution to a problem. Sometimes you might want to be told which one to take, and at other times you’d prefer to discuss the pros and cons of each before making a decision. Either way we’ll present evidence about what works, and we ‘bust’ financial myths, helping you manage and invest your money better and more efficiently.

Questions the Internet cannot answer

How much money do I need in order to attain financial independence for the rest of my life?

How much more would I need for the fun stuff?

What is my optimum level of risk and return?

What is it About Money?

Our relationship with money is often difficult. Some people have an unhealthy attachment to their money, whilst others fear it and try to spend it or lose it as quickly as they can. Many people are embarrassed by it. And as for talking about money, it’s one of the last taboos in our society (along with talking about death – see ‘Who Will it Hurt When I Die?’).

Financial advisers need to understand pensions, investment and taxes, but it’s equally important to understand people, and knowing the things that matters most to them, including their attitude to money. It requires an additional set of skills not always found in advisers, better listening and communication skills for example. Fundamentally it’s about understanding people.

  • Listening
  • Communication
  • Understanding

Common Needs

The people we work with come from all walks of life, and have a variety of needs and concerns, but there are some similarities in what they are looking for. They want to protect what they’ve accumulated whilst ensuring their assets are working for them. They have a pragmatic approach to tax yet don’t want to pay more than they need to. Finally, they want to know that they can attain and maintain financial independence at a certain level, and ensure their wealth is available for future generations.

View all our testimonials