The US election: the one thing we can be sure about is uncertainty


We are somewhat loathe to put out yet another piece about what might happen in the markets, as it risks focusing long-term, sensible investors’ minds on short-term events. The referendum on Scottish independence, Grexit, China’s slowdown and most recently Brexit, have come and gone, in market terms, with most investors sitting on healthy increases in their portfolios since 2014, despite uncertainty at the time. However, it is not a bad thing to revisit the robust rationale for the structure of our client portfolios, particularly at such a time.

A Wine Lover’s Guide to Investing


I have no doubt that if you are like me you will have sampled some nice wine over the years. For me, vintage wine is one of life’s great pleasures. But often overlooked in the joy of consumption is the carefully calibrated journey from grape to glass. Similar levels of care are critical to good investment outcomes.

When loss is a good thing!


Loss is often associated with negative connotations. When we think about losing something, we think about people, money, our jobs, precious items, even hours in a day; all things we can’t easily get back. Indeed, if you were to look up the word ‘loss’ in a dictionary you would find words such as, detriment, disadvantage and deprivation. But is loss always a bad thing?

What rich parents need to tell their kids


Carpenter Rees has worked with many families and family businesses over the years, and I have recently read a great series of blogs from Sandy Loder (, who has a great deal of experience in helping his clients through succession and development of the next generation.

Modern Portfolio Theory: The Efficient Frontier


Almost 26 years ago, Professor Harry Markowitz was awarded the Nobel Prize for his pioneering work in financial economics. Markowitz developed a model for understanding portfolio allocation under uncertainty, which has endured as Modern Portfolio Theory. Clearly this is not quite so modern today but it has withstood the test of time. By urging investors not to focus solely on returns of individual stocks but to also consider the concept of risk exposure, Markowitz changed the way people invest. Today, trillions of pounds are invested, including our own client’s funds, according to his principles of risk and return.

Gone Phishing!


Up until a few years ago, if I’d mentioned the word ‘phishing’, you might have assumed that I was talking about serene lakes, fishing rods and carp.

Finding Life’s Balance

Summer hol

There’s nothing quite like a summer holiday to ‘recharge the batteries’ and bring a little balance back to your life.

As you read this, I will hopefully be sunning myself on the beach or maybe even enjoying a nice lunch with a glass of vino!  I almost said I will be having a ‘restful time’, but as those of you with young children will know; children and restful are not words which often fall into the same sentence.



Sorry everyone, unfortunately this is not the first part of the winning EuroMillions numbers; these are the results of some research undertaken by the Oxford Health Alliance.

 As Financial Planners, we talk a lot about protecting yourself; whether that be life cover, illness cover, income cover, family or business cover.   But, we hardly ever talk about health promotion and prevention – which can encourage better health, longer life and (now the financial point) cheaper premiums for you for the protection policies we recommend!