Why Your Financial Plan Needs Both Head and Heart
If you’ve ever tried making a big decision using a spreadsheet alone, you’ll know something important is missing. Numbers can tell you the cost, the time frame, the projection, but they can’t tell you how something feels. At TFP, we meet people who are brilliant at the practical side of money: tracking spending, choosing investments, […]
The Two Traps That Pull Investors Off Course
… and How to Avoid Them If you’ve ever tried sticking to a healthy eating plan while walking past a bakery, you’ll know the feeling:you start with good intentions, but the world around you has a way of tempting you off track. Investing is remarkably similar. Most long-term investors understand the principles of staying the […]
Q1 2026 Review & Outlook…
2026 began on a steady footing, with stable growth and expectations for interest rate cuts. As the quarter progressed, policy and trade tensions emerged before geopolitical developments in the Middle East became the dominant market driver. While the starting point for inflation and interest rates is more supportive than in previous shocks, a prolonged disruption […]
Your Financial Planner Just Sold Their Business. Here’s What That Actually Means For You
You didn’t get a vote. You didn’t get a say. One day you open an envelope, or more likely an email, and find out that the person who knows your pension, your portfolio, your hopes for retirement, and probably a fair amount about your marriage has been acquired by a company you’ve never heard of, […]
Stepping Into the Role of Managing Director at TFP
A couple of years ago, I shared a blog titled “Apprentice to Director.” It was a reflection on a journey I never quite expected… starting out as an admin, learning the ropes, pushing myself through exams, and gradually growing into a leadership role within TFP. Looking back now, it was just the beginning. A New Chapter […]
The Retirement Risk We Don’t Talk About Enough
When most people think about retirement planning, their mind goes straight to one fear:“What if the markets fall when I need my money?” It’s understandable. Headlines love drama. Social media loves charts with red arrows. And when you’ve spent decades building your savings, the thought of seeing your investments wobble can be unsettling. But here’s […]
The Seasons of Your Life
Why Time Is the Real Currency of Financial Planning As the year begins to wind down and the light shifts into that softer, golden tone we only notice when we finally pause, many of us start reflecting. Not just on the goals we hit (or didn’t), but on how we actually spent our days. It’s […]
The Often‑Overlooked Power of the State Pension
When planning for retirement, most people focus on their investment portfolios, private pensions, or ISA balances. Yet one of the most powerful, reliable, and inflation‑linked sources of income is often overlooked: the UK State Pension. There has been ongoing public debate about its future – including speculation about the triple lock, potential increases to State […]
Escalation in the Middle East…
March 2026 Estimated read time: 4 minutes Geopolitical tensions intensified sharply in February as US–Israeli strikes on Iran were followed by retaliation and disruption to oil flows through the Strait of Hormuz. Markets reacted as expected: oil prices rose, energy and defence stocks strengthened, and US technology shares remained under pressure. Meanwhile, outside the US, […]
Staying Steady When the Noise Gets Loud
How to Protect Your Plan from Modern Distractions If you’ve ever tried to make a big decision while someone is talking loudly next to you, you’ll know how difficult it is to stay focused. The modern investment world can feel exactly like that, full of voices, opinions, predictions and promises, all competing for your attention. […]