Barnaby Cecil

Pinch punch first Monday of the month! 📈 Here are the cumulative returns from our 10 Navigate Portfolios to date. ⚓ Use Navigate Portfolios to build your WealthMap® financial plan. ✅ Identify your investment goals ✅ Access global markets ✅ At minimal cost If you invest in our portfolios your capital is at risk. Past performance is not a guide to future performance. Actual returns received may be lower depending on which Momentum® support service you select. Please ask me for more details. Follow the link below for more information👇👇👇

A BABY BORN TODAY, graduating as a doctor in 2048, will need £308,955 for a 5-year medical degree in London. 💰 Saving in cash makes the mountain much bigger ⛰️ At 3% return, you must save £778/month At 7% return, it drops to £453/month 🔑 THE LESSON? Invest early. Use equities. Let compounding work. ⏳ WAIT TOO LONG, and the financial mountain becomes unscalable. Not sure where to start? We can help. Get in touch. *Cost extrapolated from Guardian university estimates.

𝐖𝐡𝐲 𝐎𝐧𝐠𝐨𝐢𝐧𝐠 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐈𝐬 𝐒𝐨 𝐕𝐚𝐥𝐮𝐚𝐛𝐥𝐞 The opposite of ongoing financial planning is a one-time financial plan. In a one-time plan, you’d map out a client’s goals—for example: - Retiring at 55. - Funding two children through university without relying on loans. - Taking a big family holiday once a year. - Tapering down travel and expenses from 70, perhaps spending more time in Europe and less travelling further afield. Achieving these goals requires a plan. But here's the difference: with a one-time financial plan, you hand someone a roadmap and say, "Here's how to get there. Best of luck." Ongoing financial planning, however, is about so much more than just handing over a plan. It’s about continuously reacting to short-term changes, reassessing long-term goals, and ensuring the desired outcomes are achieved, no matter what life throws your way. One client once said to me, "The first phone call I made was to my children. The second was to you." That’s the essence of ongoing financial planning: 𝐚𝐜𝐜𝐞𝐬𝐬. Clients are paying for a service where they know they can access expert advice whenever they need it—whether during business hours or on a Sunday morning for an urgent situation. Certain phone calls can’t wait, and I’m there to answer them. Yes, a one-time financial plan is better than no plan at all. But the true value lies in having an ongoing service, one that evolves with you and ensures your goals are not just planned for—but achieved, with support that reacts when you need it to. And you may not be able to plan for those moments. Unless you planned for them. Do you agree?

Have You Ever Faced This (Great) Problem? You’ve got some extra cash or you’re rethinking how you allocate your time. Maybe you’ve been considering: - Dropping 2 PAs to focus on private work but are unsure how that will affect your NHS pension. - Scaling back private work to improve work-life balance but worried about covering school fees. - Or simply deciding whether to pay down your mortgage or invest your savings. What’s the right move for your future? The challenge is, it’s hard to weigh these options. Our brains can focus on one strategy—like reducing NHS commitments—but struggle to calculate the knock-on effects on other parts of our financial life, like pensions or long-term savings. Which option really sets you up for a better future? That’s where WealthMap comes in. It’s a financial planning service designed for doctors, helping you compare multiple strategies side by side. - See the impact of dropping PAs on your pension. - Understand how scaling back private work affects your ability to cover big expenses. - Find out how paying off debt compares to investing your savings. No more guesswork. No more sleepless nights. Just clarity, confidence, and a plan tailored to you. Want to see your WealthMap? 🚀

What excites you most about the future? Is it doing less of something? Less hours Less on-call Less clinical / management Is "less" the best thing to focus on? Removing the things you like doing least is good planning. But maybe it's not less of something that's needed. Swap less for MORE. What do you want to be doing more of? Maybe that's where the focus should be?

Pinch punch first Monday of the month! 📈 Here are the cumulative returns from our 10 Navigate Portfolios to date. ⚓ Use Navigate Portfolios to build your WealthMap® financial plan. ✅ Identify your investment goals ✅ Access global markets ✅ At minimal cost If you invest in our portfolios your capital is at risk. Past performance is not a guide to future performance. Actual returns received may be lower depending on which Momentum® support service you select. Please ask me for more details. Follow the link below for more information👇👇👇