Remember the bleak midwinters?

Do you remember the dire weather warnings for the UK winter in September* thanks to something exotic called El Nino? Experts reckoned “Sub-zero temperatures and violent snow storms could hit as soon as late October as freak ocean...

Les Miserables

Last Wednesday I began contemplating this Letter from Linlithgow. Maybe you thought it just comes out the top of my head, but in reality a few ideas float around for days before something jumps out. Having spent time...

When I'm 84? A Pension Update

At the weekend I was on the phone to a client who lives in a far off land...Kent. Peter’s been a client and friend for 33 years, having discovered us when a reader of the Money Section of...

Daze like this

"MY MAMA TOLD ME THERE WOULD BE DAYS LIKE THIS" Van Morrison Today's my last day in the office before heading to Ibiza for a break. "Ibiza…at your age? You're too old for all that clubbing? Party island...

When will they ever learn?

See all this progress? Drives you mad it does. You spend lots of time and energy not to mention more than a few bob over the years on your Website and the next thing some outfit called Google...

Facing the Music

Now that Greece has been knocked off top spot after a decent run as Number One bogeyman for investors, commentators scramble around to find suitable scary replacements. A couple of days ago it was the surprise increase in...

Summer Budget July 2015

Written for Daily Business Website Wednesday 8 July 2015 Having rushed back from a lunch celebrating our 40 years in business to respond to the July Budget speech I'm struck by the reference to The Office of Tax...

Forty Years On What's New

Yesterday one of my favourite married couple clients popped in for a review with Henry who now looks after their portfolio planning in their retirement. So I joined them for old times' sake and we reminisced a wee...

Herd it through the grapevine

How nice of the Coalition to mark my son's 36th Birthday by holding the General Election that day. Wonder if he's opened the two bottles of Gran Reserva yet? Must have done if he's his father's son. But...

Every cloud has a silver lining

If you're anything like me you'll be fed up to the back teeth with all the mudslinging, promises, and counter promises in the UK Election Campaign. Unless you've found a way to disconnect the Telly and Radio, switched...