How my journey began

I remember vividly as a client, with £15ms of assets finally signed the paperwork with his Montblanc fountain pen.

I should have been delighted.

But before the ink even dried on the contract, I had this weird feeling in my stomach that wasn’t quite right.

As a regulated Financial Adviser, running my financial planning practice, with my portfolio of clients.

I wasn’t happy with the work I was doing. I was comfortable with plenty of paying clients but I had a feeling of emptiness.

There must be a better way of helping people with their money?

Helping rich people pay fewer taxes didn’t seem the right thing to do.

I started imagining how many hospital beds could be provided with the £10,000s I would be saving the clients paying in tax by hiding their wealth in more elaborate tax shelter schemes?

I was taking that money away from libraries, hospitals and schools.

At the same time the book I wrote called Millennial Money Mindset®: If you want the fruits you need the roots was shortlisted for the prestigious Financial Times writing prize.

Many people advised me against writing the book.

The financial advice company I worked for refused to allow me to publish it. I was banned from realising this book if I wanted to keep my position at the company.

I thought so many people could benefit from this knowledge; however, this corporation wanted to keep these strategies for themselves so they would make more profits.

At that moment, I had my Epiphany.

I would educate and empower people to make their own investment decisions.

Rather than charging £10,000s to give specific financial advice. I would become a money coach with the aim of teaching people how to invest their own money.

I would share my Football Formation Asset Allocation® with the world. This was my concept which I used to explain the complex Modern Portfolio theory (for which Harry Markowitz won a Nobel Prize in 1990) to my clients. The concept could explain the world of investing simply.

I created a card game called Football Formation Asset Allocation, which made asset allocation and investing simple, fun and achievable.

90 minutes on the pitch can compare to 90 years of your life.

I realised this would be my purpose in life

Your purpose is the feeling you get when what you are doing is bigger than yourself. Where you are needed and that there is something better ahead to work for. Where you are good at what you do, and you can help others.

Where you can be your best self?

 I could make the greatest contribution by improving financial education.

I decided to start a money coaching company called Money Tipps® (Tax, Investments, Property, Pensions, Savings).

Why Money Tipps® is different

Independent financial education for people who want to understand their money

Money is complicated enough without having to choose between an expensive suit, a social-media influencer or a newspaper headline.

Money Tipps® is the missing middle.

We don't tell you what you should buy, sell or do with your personal finances.

We help you understand the game so you can make better-informed decisions for yourself.

Not financial advice. Financial education.

Money Tipps® provides independent financial education, not personalised financial advice.

We cover the five areas that shape your financial life:

T = Tax
Understand tax and how it can affect your money.

I = Investing
Understand investing, risk, diversification, charges and long-term returns.

P = Property
Understand property, mortgages and the role property can play in your overall finances.

P = Pensions
Understand pensions, contributions, tax advantages and retirement planning.

S = Savings
Understand cash, emergency funds, interest and the foundations of financial security.

The aim isn't to make you dependent on us.

It's the opposite.

The more you understand, the more independent you can become.

A different approach

There are financial advisers who provide regulated personal advice. There are influencers who promote individual investments. There are platforms competing for your business. And there are newspapers whose business model depends partly on advertising.

Money Tipps® takes a different approach.

We don't sell you a product.
We don't manage your money.
We don't tell you what to buy.
We teach you how to think about money.

Where we discuss investing, we encourage you to understand the options available through FCA-authorised and regulated providers, compare costs and features, and make your own informed decision.

You choose. You decide. You stay in control.

Be harder to sell to

Read.

Question.

Understand.

Check.

Calculate.

Decide.

That's the Money Tipps® approach.

Because the question shouldn't always be:

"Who should I trust?"

It should be:

"How do I know?"

Understand the game. Play your way.

Money is a tool.

Time is life.

Our job is to help you understand the rules, see your options and make your own decisions.

Money Tipps® gives you the knowledge.
You keep the choice.

Important information

Money Tipps® is an independent financial education business. The information, courses, books, calculators and resources provided are for general educational and informational purposes only. They are not personal financial, investment, tax, pension or legal advice and should not be treated as a personal recommendation.

Your circumstances are unique. If you need personalised advice, you should consider speaking to an appropriately authorised and regulated financial adviser or relevant professional.

Investing involves risk. The value of investments can go down as well as up, and you may get back less than you invest. Past performance is not a reliable indicator of future results.

Money Tipps® does not recommend that any particular investment, platform, fund, pension, property or financial product is suitable for you.

Learn the game. Play it your way

Money Tipps educates, inspires and coaches people to make their own money decisions.

To be empowered to make their own decision saving them £1000s over their lifetime compared with expensive financial advice fees.

Money Tipps empowers you to make your own decision with your money so you can save £100,000s over your investing lifetime from expensive fees compared with the leading Financial adviser in the UK.

Money Tipps offer four different money coaching packages to help guide you to the future you desire.

Which investing journey will you choose today?

‘At the start of your day, say I am ready for a day’s work. As if I was going out to do what I was born to do.

The purpose for what I was brought into the world.

Was I created to wrap myself in blankets and keep warm? Were you born for all feeling and no action? Can you see the plants, birds, spiders and bees all doing their own work, each helping in their own way to order the world?’

Marcus Aurelius (121 – 180 AD), Meditations