In this blog:

1. Why the 4% retirement rule fails in the UK - a 55-year reality check

2. Private credit funds bolt the doors - what it means and why it matters

3. How dividends grow your money - yield on cost and the Rule of 72

In this blog:

1. How clients actually work with us - the whole journey, start to finish

2. The three ingredients of investing: timescale, costs and returns

3. What we do, week in and week out, that you never see

4. A note from a Hollywood hotel, and the only ingredient that really counts

In this blog:

1. The mismatch

2. What dies with you, what does not

3. The size of the gap

4. The three ways to replicate it

5. The arithmetic, in full - index-linking, a 26-year worked example to the last penny

In this blog:

1. Executive Summary & Purpose

2. Core Concepts Explained Simply

3. Three Strategies to Replicate the Income

4. The Corrected Year-by-Year Financial Ledger

5. Critical Risks & Practical Realities

6. Conclusion & Professional Guidance

In this blog:

1. Money market funds - not a bank account, and the difference matters

2. The wealth you did not spend - and two events worth your diary

3. Patience, Amazon, and the difference between $100 and $6

4. What is the State Pension actually worth

5. Annuities: the real rates, side by side

6. “Gee up, Neddy!” - is retirement the time to buy a horse?

In this blog:

1. What an LPA actually is - and why there are two of them

2. The numbers the retirement industry does not like to mention

3. The Court of Protection: what happens without an LPA, and what it costs

4. A worked example - meet Robert and Jean

5. Five things to do this weekend

6. Will AI make me rich?

In this blog:

1. The 10 Minute Retirement Plan

2. The Retirement Funded Ratio - your most useful number

3. The attractions of life in the slow lane

4. Say "yes" more - and where it will take you

5. Old money in the UK - how it persists

In this blog:

1. Pension Basics - what your pension actually is

2. Hotel California: what’s changing on 6 April 2027

3. £280,000: a worked example, in pounds and pence

4. Four conversations to have - now, not in 2027

In this blog:

1. I Will Survive - the longevity problem nobody told you about

2. Sequence risk: the quiet assassin of pension pots (with the maths)

3. Annuity rates on 15 April 2026 - and what a difference a year makes

4. The Dividend Heroes: trusts that have been paying through every crisis since your grandparents were courting

5. The conversation: what you haven’t told your spouse about the money

In this blog:

1. That’s who I want to be.

2. Total return, capital and income: the data.

3. Do you cycle? Do you train-ish? Alistair Brownlee ring a bell?

In this blog:

1. How to be rational in volatile markets

2. The client’s question: the maths of the value of planning your income.

3. Law Debenture or Claverhouse – AI for analysis, only when you know the question.

4. Don’t worry, be happy

In this blog:

1. Money – The Danger of Overthinking

2. Murray International

3. Law Debenture

4. When data lies and hallucinates – the acute danger of DIY.

5. What the client wrote…

In this blog:

1. Inflation is created in two ways: a demand-pull on prices, and a cost-push.

2. It’s not an investment; it’s an M&S investment.

3. Duration: what it is, what it’s not, do NOT invest in bonds or gilts without knowing.

4. Winner takes all: why women are the ultimate controllers of personal wealth.

5. The Big 5 Retirement Risks: and how to mitigate them.

In this blog:

1. How not to invest.

2. How to invest through crashes.

3. How to read investment trust data: F&C has never missed a dividend since start in 1868.

4. It’s not guaranteed, but does it make it any less likely?

In this blog:

1. How to get a 7% income yield on your pension, or, ‘Can you fix a leaking sink?’

2. To retire or not – how to tell when the time is right.

3. Why investment trusts and not unit trusts? Here’s why: we rely on data, not opinion, so here’s the data.

4. The later it gets, the less inhibited many become. (You should have grown out of the 4 am taxi ride by now).

In this blog:

1. Avoid the errors others make.

2. How the portfolio incomes have measured up against inflation.

3. The insides of the Rolls Royce final salary pension engine.

4. A Family Investment Company: what is it, and should you?

In this blog:

1. Going broke slowly.

2. Equities & bonds: how to lose your shirt on bonds and gilts.

3. The market correction: the timing and the size are all that’s missing.

4. Ok, so you want to do Bitcoin – try doing it without falling for The Winner’s Curse…

In this blog:

1. Of course you can, avoid retirement excuses.

2. The banks are at it again, though slightly more disciplined this time.

3. Financial abuse is real: bullying or controlling, don’t get caught with this in a divorce.

In this blog:

1. Getting your pension right first time

2. Damn teenagers, always on their phone! (So are you, here’s the proof).

3. Everyone is normal – here’s a family story about money.

In this blog:

1. Annuity rates, and that 20% per year.

2. If you’re considering an annuity, is it cheaper to self-insure your pension income?

3. Ten Years After – not the Nottingham band, it’s the tales of 10 people who retired 10 years ago. Regrets? They’ve had a few.

4. Yale Research on ageing: how to live 71/2 years longer, actionable insights.