Resources, freely offered.
A small collection of tools and writing to help you think clearly about your money — free, no signup required for most of it.
Ready for retirement?
Short videos on the decisions that shape how retirement actually goes — the threats people miss, the steps most plans leave out, and what the years before you finish work are really for. Not a course and nothing to sign up for. Watch whichever one speaks to where you are.
- —Your biggest retirement threat isn’t market crashes 7 min
- —Your financial plan is missing these critical steps 8 min
- —Your 40s and 50s are your richest years, not your last 6 min
Useful calculators.
Three quick tools that show — in real numbers — what cash, inflation, time and compounding actually do to your money. Plug in your own figures.
The Cash Erosion Calculator.
See what inflation is quietly doing to your savings. Set your interest rate, set the inflation rate, watch year by year as the headline balance grows while the real purchasing power shrinks. Sobering, but useful.
Use the calculatorThe Compound Growth Calculator.
See what regular saving becomes when time and compounding work together. Set your contribution, set the rate you expect, watch year by year as small consistent inputs become a much bigger number. Encouraging, and useful.
Use the calculatorThe Cost of Waiting Calculator.
See what holding cash instead of investing actually costs you — broken down by the day, week, month and year. Set your figures, your expected return and your horizon, and watch the gap between investing and waiting widen with every year that passes.
Use the calculatorWriting on money.
A new piece each month on the things clients ask about most. Plain English. No prerequisites.
Your pension is about to become part of your estate.
From 6 April 2027 most unused pension funds count towards inheritance tax. What changes, what stays exempt, what it costs in real numbers — and the £2 million line almost nobody has been told about.
Read article →How to choose a financial planner in Bath.
Choosing who looks after your money is a decision you make rarely and live with for years. The checks worth running, the questions worth asking, and the mistakes worth avoiding before you commit to anyone.
Read article →You’ve just inherited.
Inheriting money brings decisions you did not ask for, usually at the worst possible time. What has to be sorted first, what can safely wait, and how to give yourself room to think before committing to anything.
Read article →How long does a pension need to last?
Average life expectancy is a midpoint, not a finish line. Plan a pension to it and you have a one-in-two chance of outliving it — here is how long the money really needs to last.
Read article →The five years before retirement: what to do, in what order.
A good retirement is built, not waited for. The decisions of the final five years — your number, the tax-free cash, how to draw an income — set out in the order that makes them count.
Read article →Cash is not safe. It is a slow leak.
Why holding money in a savings account for the long term is one of the riskier decisions most people quietly make — and how to think about cash properly, in horizons rather than headlines.
Read article →Common questions.
A few things people ask before they dive in.
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