Journal

Field notes on pensions, cover, and family money talks

Short articles rooted in the questions clients bring into UK financial advice consultations—not generic market commentary.

11 May 2026

Consolidation is not always the tidy answer—especially with safeguarded benefits.

27 March 2026

Questionnaires and seating plans matter more than market charts.

14 January 2026

A Protection Gap Review starts with the new redemption figure, not the old policy brochure.

3 November 2025

Owner-managers often fund lifestyle from the company first and rebuild cash later—if at all.