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.
Foundations of Investing.
Seven short videos in plain English on what to do with your money. No jargon, no sales pitch — just the basics every adult should know, free on my YouTube channel.
- i.Why Invest? The quiet enemy of your savings
- ii.Risk and Return — the deal nobody explained
- iii.Compounding and Time, illustrated
- iv.Asset Classes — what you can actually own
- v.Behavioural Finance — your most expensive habit
- vi.UK Wrappers — ISAs, pensions, and the year's salary at retirement
- vii.Getting Started — the five-step plan
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.
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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Let's talk about your plan.
If something here got you thinking, the next step is a conversation — no charge, no obligation, no jargon.
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