If you take shortcuts you won’t reach the top, to be average in this mighty profession is easy. Taking risks and starting at the bottom is the harder path. The tall poppies get cut, and many people take shots at those who speak out.

One of the latest buzz topics in our mighty profession is ‘wealth transfer’. The migration of financial assets from one generation to the next, and what we as financial advisers should be doing to prepare for it. The advice is being peddled by the usual suspects who’ve never advised a family and who don't really understand what the elite adviser does.

Many of our clients have been conditioned by parents, society, and even our advice to associate spending with negative emotions. These money mindsets are embedded firmly in their psyche and often lead to them living much worse lives than they could be.

When you encounter excellence, competence and kindness it’ll usually be from someone who cares. Most companies these days are impossible to get hold of, even when you do get hold of them you’re speaking to the wrong department because their ‘helpful’ automated telephone system is excruciating. When you do speak to a human they often do all they can to add to the problem and do not provide any solutions.

The Welcome Meeting provides an opportunity for everyone to review and reflect on what's been done. We go over what changes have been made, reminding them of why it was done and why they're now in a better place.

Financial plans and financial futures are destroyed below the clouds. How many more client families can you get to live their financial lives above the clouds?

Before you say ‘I never have any good ideas’, show me your bad ideas first - and a lot of them. It takes many digs to strike gold.

You do not want them to face the “big one” without knowing that they have successfully survived challenges before.

Our careers as financial advisers will be measured by the number of crises we guide our clients through.

With a drawdown of only 5% in the world’s premier index, the S&P500, 2021 conveyed the message that market returns are easy to come by with minimal downside movements.

2021 was another great reminder that forecasts are close to worthless.