Riding High on Free Spirits

Dominic Thomas
Oct 2024  •  4 min read

Riding High on Free Spirits

You cannot have failed to notice a significant increase in the number of camper vans pootling along British roads over the last few years. The pandemic really prompted a desire to get out and about but in a controlled personal environment. I know camping isn’t everyone’s idea of fun, but I found myself undeniably attracted to the idea of a quick getaway and the ability to pitch up almost anywhere and relax.

In the Spring, after much research I bought my first camper van from Free Spirit, based near Chichester. Like many, I had grown up with a fondness for the VW Beetle (thanks in part to Herbie and the 1972 Streisand and O’Neal film What’s Up Doc?) and its bigger partner the camper van. There is something reassuringly simple about the shape and sound, but of course the original vehicles are all now considerably older than me – and I need a reasonable amount of care, let alone a vehicle.

Like most, my default setting was heading towards club VW, that was until I looked at what I was getting, invariably a converted diesel tradesman’s, couriers or ex-breakdown van, all of which have had a serious amount of ‘stress-beating’ before then being gutted and converted into a camper. Thankfully I came across Ian and his team at Free Spirit. They import Japanese vehicles – unleaded petrol, steering wheel on the right side, well-maintained in a climate that makes life hard for rust. I ended up with a much better vehicle, it cost significantly less money than its VW competitor and having been designed as a luxury exec vehicle in image-conscious Tokyo, is a much more comfortable and smooth ride (it’s a Mercedes).

It’s early days in my camper van experiences, but I’ve already been able to enjoy rolling up to music festivals in fields, pulling up to a fantastic view of a sunlit coastline, then unrolling the bed to simply relax with a cup of coffee. I’m delighted. It’s probably not the typical vehicle that a financial adviser drives and I’ve had many battles with my own ego of ‘what a car says about me’ over the years. In my three-and-a-bit decades as an adviser, I’ve only been asked twice about what car I drive (by a client). I have no idea what you would think about cars or the car I might drive, but my suspicion is that if I turned up to your house in a new Ferrari (or even an old one) you would possibly think I am charging you too much!  I’ve had this debate (sorry ‘discussion’) with peers before and I know many don’t walk their talk.

A camper van is not for everyone of course and it’s a fairly large vehicle (I even went long-wheel base), so it’s fortunate that I have a decent driveway at home (and at the office!). I’d be curious to learn what car you think your financial adviser ought to drive… I assume there are various scales at play – the price, brand, age and of course the affordable value purchase, versus desired aspirational one, all of which is subjective and reflects your own values.

I know several of you have camper vans or have considered getting one as part of your retirement treat (it’s not mine) but as ever, I suggest speaking to experts, people that do this stuff all day every day and not to be solely persuaded by lifestyle marketing and a sense of nostalgia. As ever, your decisions are best based on your values and earmarked resources. I can certainly recommend a discussion with Ian at Free Spirit, he has a great business and I’ve been delighted with their service, a simple five stars from me.

Riding High on Free Spirits2024-10-23T14:11:38+01:00

Game, (Re)Set & Match?

Debbie Harris 
July 2024  •  2 min read

Game, (Re)Set & Match?

It seemed rather fitting that on the day Solomon’s bid farewell to our office in SW20, Andy Murray bid a tearful farewell to the green grass of SW19 (not to mention it was also the day we had a changing of the guard in parliament … but that’s a blog for Dominic to write!)

I met Andy well over a decade ago (before he won the coveted Wimbledon championship trophy) and he was a really down to earth guy.  I was relieved to see that despite fame and fortune, during his post match interview after his foray into the doubles tournament with his brother Jamie, he seems to have retained that ‘average Joe’ attitude to life.

I wish him well for the future and I feel confident that he will remain in the public eye in the sport that he loves, but I actually wanted to talk to you about our office move to the leafy village of Cobham in Surrey.

As much as we loved our office in Raynes Park (it was the firm’s home for 17 years), we had started to outgrow it. And growth is a good thing! Our new space in Cobham is a wonderful place surrounded by nature and shrouded in the history of the area. You can read about ‘The Old Mill’ here.

Just like Mr Murray, it will take us a little time to adapt to new routines and arrange things so that the new office feels like ours, but it opens up new opportunities for us as a firm providing a more flexible space for us to be creative and productive.

As with all change – there is a feeling of having a ‘reset’ … it’s why I love Mondays so much (and the first page of a new notebook!). The team here don’t all necessarily agree with me about ‘the Monday thing’ but there is a freshness about starting something new – the novelty factor – that gives us an extra spring in our step and a little more focus.

We are hopeful that as we move forward in our new ‘home’, we will continue to do better and to challenge ourselves as we aim for excellence in everything we do for you.

We would love to welcome you to our new offices in the coming months – whether it’s for a meeting with one of our advisers or just for a coffee and a chat!

Game, (Re)Set & Match?2024-11-19T16:46:53+00:00

New client surge?

Dominic Thomas
June 2024  •  3 min read

New client surge?

We are expecting and ready to meet with lots of new clients. Our premises in Cobham are perfect for quiet, confidential and tranquil client meetings. There is ample parking and decent coffee!

This is perhaps just as well since a recent report by Investec Wealth has revealed that nearly 60% of investors are looking to get advice. This is for a variety of reasons, but nearly 30% are expecting to do so within the next 12 months and a significant proportion have over £250,000 of investments.

By and large, most are seeking advice about retirement, but a not-so-insignificant 20% reported that they simply don’t have time to manage their own investments. Whilst I welcome the opportunity to meet with them, I fear that many will be expecting to find a magician rather than a financial adviser as they may have left good planning somewhat late in the day.

Of late, I have growing experience and awareness of the problems that many face as they age. Memory isn’t quite what it was and we are seeing more people with concerns about Alzheimer’s. Many of us will have some experience of this already and sadly many will do so in the future. There are considerable issues for your finances and ensuring that you have your ‘ducks in a row’ is of key importance.  As is having the right team around you; providing what you need.

As we age, we invariably become increasingly aware of the importance of relationships, much more so than anything else; but these are loaded with a lifetime of baggage. Spending time on the things that are important (what you actually want and value) rather than attempting to impress people with your brilliance at managing your own money; is something that I would actively encourage. Managing investments, tax and regulations is a time-consuming exercise and not one that most people would want to waste their most valuable resource on (time). I suspect and believe that you have better things to do with yours.

We are here, ready to begin your journey with us and towards financial freedom – or maintaining it.

New client surge?2024-06-30T18:48:30+01:00
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