Articles
Straight answers to the questions I actually get asked
No jargon, no products being sold, no pretending things are simpler than they are. Just honest takes from someone who qualified as a financial adviser and then left to do it differently.
21 July 2026 · 6 min read
Do I need a financial adviser in the UK?
An honest answer from someone who qualified as one and then left. When it's worth the fee, when it isn't, and the cheaper middle ground most people actually need.
Read it21 July 2026 · 6 min read
Should I consolidate my old pensions?
Combining old pots can cut fees and make planning possible - but check these three things before you move anything.
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I'm Tom - a DipPFS-qualified former financial adviser who now does honest, jargon-free money coaching. No commission, no products, no jargon.
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