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Using the Guyton Klinger withdrawal guardrails - updated for 2024
Guyton-Klinger guardrails aim to improve upon Bill Bengen's research. Should retirees use this framework? What are the downsides?
Apr 5, 202410 min read


Increasing client engagement with the One-Page Financial Plan
The One-Page Financial Plan is a high-level summary of the underlying financial plan. Read how we tweaked the process to increase engagement
Apr 2, 20243 min read


Buffett's $1m bet with the hedge funds. What did it really teach us?
In 2008, Warren Buffett wagered that the S&P 500 would outperform a basket of hedge funds over the decade. What can we learn from this?
Mar 31, 20244 min read


Does buying an annuity improve retirement income sustainability?
Annuity rates have improved in recent times. Can they now help to create a more sustainable retirement income?
Feb 28, 20244 min read


The S&P 500 lost decade - how to protect your retirement
The S&P 500 has generated strong returns in recent years. But should you invest all of your retirement savings in this index?
Feb 27, 20247 min read


Does holding a cash buffer solve Sequence of Returns Risk?
Cash buffers are often suggested as a way of mitigating Sequence of Returns Risk. Do they work, or are they more of a chocolate teapot?
Feb 22, 20244 min read


Should your retirement portfolio contain 100% shares?
Retirement researcher Bill Bengen found the optimal retirement portfolio to contain 50-75% equities. Would 100% equties be a better option?
Feb 19, 20247 min read


How much do I need to save for a moderate retirement in 2024?
How much does a retiree need to save for a moderate retirement? And why a larger retirement pot doesn't always provide the best outcomes.
Feb 16, 20243 min read

How much do I need to save for a comfortable retirement in 2024?
A comfortable retirement for a couple is believed to now cost around £59,000 a year. What size retirement pot do you need to fund this?
Feb 15, 20247 min read

D.I.Why? When financial advice costs less than Doing It Yourself
Our retirement planning offering can often be more cost-effective than managing retirement on a D.I.Y. basis. We look at a recent example.
Feb 10, 20243 min read


Ten tips for investing success in 2024
Investing is simple but not easy. We identify ten things to consider that will help you have a better retirement outcome in 2024.
Jan 18, 20243 min read


7 questions to help you find the right financial adviser in 2024
Choosing the right financial adviser to help with your retirement planning is one of the most important decisions you will make.
Jan 3, 20247 min read


How much does financial advice cost (and am I getting good value?) Updated for 2024
We help you calculate what you are paying for your retirement planning and financial advice and whether you are getting good value.
Jan 3, 202414 min read

Ed Thorp - the godfather of quants
Ed Thorp had a huge impact on the gambling and investing worlds. We look at this achievements and why they are important for investors.
Jan 3, 20246 min read


Ten reasons why we might not be the right financial adviser for you
There is often a perception that a financial adviser will accept anyone who gets in touch with them. This is not always the case.
Dec 21, 20235 min read

Death by a thousand cuts - when portfolios go sideways
The returns of globally diversified portfolios have been subdued in the last few years. How does this impact our clients' retirement plans?
Dec 5, 20234 min read


St James Place: Fees, performance, and what you should be asking
Reports of St James Place's poor performance and high fees regularly feature in the press. Is this criticism justified?
Dec 4, 202310 min read

Pyrford Financial Planning is granted CISI Chartered Firmâ„¢ status
Pyrford Financial Planning is now a CISI Chartered Firmâ„¢. Why obtaining this designation is important to us and our clients.
Dec 2, 20232 min read

The "No-Brainer" portfolio - a stupid idea?
Surely successful investing outcomes require complexity? The No-Brainer portfolio shows why this isn't necessarily the case.
Dec 2, 20234 min read


Investing for the long term
Focusing on asset classes that have performed well over the last few years is tempting. Keeping a longer-term perspective is key.
Dec 1, 20234 min read

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