by Colin Chalker | Feb 5, 2026 | Plan Well, Tips & Advice
Doing nothing can be a decision — but only when it is deliberate. A portfolio that continues to align with long-term objectives, time horizon and risk tolerance does not need to change simply because markets have been volatile or headlines unsettling. In those...
by Colin Chalker | Jan 2, 2026 | Plan Well, Tips & Advice
Ask an investor about risk and they may quote volatility figures or probability ranges. Ask the same investor during a market downturn and the conversation changes entirely. This gap between theoretical and emotional risk is one of the biggest challenges in financial...
by Colin Chalker | Dec 4, 2025 | Live Happy, Plan Well, Tips & Advice
The Emergency Fund: Your First Line of Defence An emergency fund provides immediate, accessible cash when life takes an unexpected turn. Whether it’s a boiler breakdown, sudden job change, or family emergency, having 3–6 months of essential expenses set aside can...
by Colin Chalker | Sep 9, 2025 | Plan Well, Tips & Advice
Under the FCA’s Consumer Duty, all financial services firms are now required to ensure fair value and clear communication. But in practice, many clients still struggle to get a straight answer to a simple question: “What am I actually paying – and what am I getting in...
by Colin Chalker | Jul 8, 2025 | Live Happy, Plan Well, Tips & Advice
Budgeting: The British Way Step one: Denial. This is the traditional British approach to money. We pretend we’re fine, then quietly panic when the card machine beeps twice. But don’t worry—there’s a better way. Step two: The Biscuit Method. Sit down with your...
