In-depth guides and essays for business owners, people approaching retirement and families organising significant wealth.
Choose the section closest to your situation, or return to the three starting points if you are not sure where to begin.
See the three starting points →How I approach financial planning, what I think the job is really for and why Chapter3 is fixed-fee and deliberately small.
Read How I Think →How I invest client money: globally diversified portfolios, low costs, disciplined rebalancing and no attempt to predict the next market winner.
Coming soon — pending compliance reviewWhat actually changes when your adviser charges a fixed fee rather than a percentage of your investments — for the cost, the advice and the relationship.
Coming soon — pending compliance reviewBuild enough personal wealth outside the company to sell, step back or keep going from a position of choice.
Read the Business Freedom Plan →Separate working capital, reserves and genuine surplus before deciding what should be invested, extracted, contributed to pensions or left alone.
Read Cash in Your Company →The five-to-ten-year financial runway before buyers, advisers and transaction deadlines begin controlling the timetable.
Read Preparing for Exit →The first 90 days, the tax cheque, the investment decisions and the year of adjustment that follows a business sale.
Read What Happens After You Sell →What the changing Business Relief rules could mean for company owners, their families and the planning that should happen before a sale or death.
Read Business Owners and IHT →A practical way to work out when you can stop, what your future lifestyle may cost and how much your pensions and investments need to provide.
Read How Much Is Enough? →How to fund the years between stopping work and State Pension, defined-benefit pensions or other secure income beginning.
Coming soon — pending compliance reviewA practical order for drawing from cash, GIAs, ISAs and pensions without wasting allowances or creating unnecessary tax.
Read Drawing Income in Retirement →A rules-based framework for adjusting retirement income when markets rise, fall and recover.
Read Financial Guardrails →What the pension inheritance-tax changes from 6 April 2027 could mean for retirement income, gifting and the order in which family assets are spent.
Coming soon — pending compliance reviewHow to help children or grandchildren while protecting your own retirement plan and keeping the decisions fair, affordable and properly timed.
Read How Much Can You Give Away →A detailed guide on when a family investment company may help, when it probably will not, and the questions to answer before creating one. Available following an initial conversation, given the technical detail involved.
Available on request — book an introductory callA guide can explain the framework. A short conversation will tell us whether it fits your circumstances.
Book a 30-minute introductory call