Justin has been awarded the prestigious Chartered Fellow (Financial Planning) status by The Chartered Institute for Securities & Investment (CISI), the most highly regarded designation for those working in the Finance Planning profession.

Justin was a panel member at FT Investor Chronicle's 'Future of Private Investing 2022' conference. He discussed the role of investing at every stage of the retirement journey.

Premium bonds from NS&I are the UK's biggest savings product and their prize fund rate is rising from 1% to 1.4% in June 2022. My latest video explains how the prize fund differs from interest, what your chances are of winning the £1m premium bonds jackpot, and when you should consider them.

On 19th May 2022, I sat on the panel of the FTAdviser’s Later Life Planning Summit to debate the role of the later life adviser. We explored how the financial advice sector can close the advice gap and offer planning services to lower income clients.

Forced to have to abandon my challenge of completing the North Coast 500 on bike, we decided to head to slightly warmer, calmer conditions in Yorkshire and bike pack around the Yorkshire countryside

This year’s market decline of 17% has now passed the annual average of about 14%, with fears that it will extend to 20% - the technical definition of a “bear market”. Discipline & patience are needed for a successful investing experience.

Volatility is a normal part of investing. Stock market declines over a few days or months may lead investors to anticipate a down year. But the US stock market had positive returns in 17 of the past 20 years, despite some notable dips in many of those years.

We awoke on day 3 of the North Coast 500 in our tents at Gairloch to heavy rain and driving winds. Aside from the inclement weather, a mechanical problem with my bike was making completing the NC500 look like a much more significant challenge.

We set off early on day 2 of cycling the North Coast 500 to tackle the climb up Bealach na Ba, the historic mountain pass with a 20% gradient climb through the mountains of the Applecross peninsula. It’s reputation didn’t disappoint!

Day 1 of cycling the North Coast 500 dawned bright and clear. WeI departed from Inverness - bikes packed to the gunnels - heading West in the direction of the Isle of Skye, arriving at Lochcarron mid-afternoon.

Diversification, time in the market and a steady head can help investors achieve their long-term financial goals by avoiding the pitfalls of emotionally driven, badly timed mistakes. The reasons to stay invested (always).

The Bank of England has raised interest rates by 0.25% to 1 per cent, in a bid to curb soaring inflation. The monetary policy committee voted on 5th May 2022 to raise the Base Rate to tame inflation, which hit 7% in March 2022.

Pension credit is available to people over State Pension age on low incomes. With £1.7 bn going unclaimed by 850,000 pensioners, it's a valuable benefit that could help thousands handle the cost of living crisis.

In May 2022 Justin plans to cycle one of the world’s best and most beautiful road trips - the North Coast 500. The NC500, follows 516 miles of stunning coastal scenery wrapped around the Northern Highlands of Scotland.

The number one enemy of the long-term investor is the financial dragon called inflation (the silent but steady increase of prices over time).

When Wall Street or meme investors think they can capitalise on “mispricing,” they’re not betting against Wall Street so much as they are betting against human ingenuity.

Time marches on, and it waits for no one. We know that money has value, and wasting it seems silly. But we all throw away something far more valuable every day: time. One of the few truly finite resources, the amount of time we get is uncertain, but we know it's limited.

Justin explores Sir Isaac Newton’s financially disastrous moves during the South Sea Bubble of 1720. Swept up by the enthusiasm of the stock market, he lost a fortune buying and selling shares, by speculating instead of investing prudently.

Justin presented at the CISI South-West regional conference sharing his experience of working with clients. He discussed how to identify who you can add most value to and how to communicate best with them.

Active vs passive investing is a phrase we hear regularly, but the binary labels have become outdated. In this article Justin explains a more nuanced framework for assessing the active / passive distinction separately for an investment approach’s philosophy and its implementation. With information from Dimensional Fund Advisors.