What about Grief?

Dominic Thomas
Nov 2025  •  3 min read

What about Grief?

The taboos of my childhood era were sex, death and religion. These, I was told (not by my parents), were topics that would divide and were not really up for discussion. The way the world seems to have evolved; the only remaining taboo seems to me to be death.

Like many of you and all of us eventually, I have had an ample dose of bereavement in my lifetime. The loss of very close friends, family members and clients. I can (obviously) only speak to my own experience and how facing each has been different, depending on the circumstances and relationship. There is a common process for grief or loss, but each has its own nuance.

An attempt to reflect on the misery, devastation and despair of losing a spouse is brought to life on screen from the book by Max Porter. I’ve not read the book and now intend to do so; the film attempts to make the unfilmable a film. Visually violently and bleak, it’s not one for those traumatised by Hitchcock’s The Birds and suffering ornithophobia.

As I watched I couldn’t help but think of one of my closest friends and wonder if I had even come close to helping him enough as he wrestled with the challenge of raising two boys alone. I realise that many people do this as single parents (mainly women) but that isn’t quite the same as also processing the permanent loss of the other parent forever. No conversations or arguments about the exhausting parenting experience with one another.

I’m curious and a little apprehensive to learn what he would make of it. The film shows ineffective conversation and platitudes of help. I hope that my approach of simply doing stuff was more useful. As a taboo, perhaps most of us aren’t really confident in our ability to talk about death with one another. I hope that I’m not misguided in thinking that I don’t find the topic threatening, I’m comfortable sitting with the uneasy … my psychotherapist spouse may want to add some thought to that though.

I found the film difficult to watch, not because of its content but because I was bottling up a list of seven things that could have been done to make the process better.

  1. A properly connected therapist
  2. A cleaner
  3. Someone skilled to help with childcare
  4. Someone to alleviate or handle a lot of the practical administration of death
  5. A lot of life assurance
  6. Relationships with friends who properly engage and get in the mire with you
  7. A community

The sense that we have to do everything on our own is one of those ridiculously badly communicated notions set at school about our independence.

You do not have to do everything on your own. That’s certainly harder when you are single or your circle of friends is relatively small or you don’t have any obvious community. However in my experience, those can be discovered, built and encouraged. Even as your financial planner, we will more than readily get involved to help you with any elements within out remit.

You don’t have to be a genius or expert in all of life’s topics. We are here to help you master money management, we don’t expect you to simply figure it all out yourself and should grief arrive at your door, we will be on hand. In the meantime, we will encourage you to be ready by being prepared and making the most of now.

References:

What about Grief?2025-11-07T16:28:45+00:00

The crisis of living

Dominic Thomas
Dec 2024  •  3 min read

The crisis of living

Sometimes life throws something in your way that forces you to stop to think about its direction. We all tend to have landmark moments and of course the context, timing, and nature of them vary enormously. However, they all tend to pose a version of the same question … “so what now?”

One of the underrated skills of a good financial planner is to consider the things that we don’t want to think about. It would be normal for most to assume that this is the impact of a major economic crisis, financial meltdown, or some disaster to your portfolio. Whilst these things do happen, (regularly!) there is a degree of predictability about them, barring the final moment of global collapse, should that ever happen. These events (barring the apocalypse) are ‘baked in’ to your financial plan, making allowances for market corrections and reductions in capital values.

The real-life challenges are those we witness personally, perhaps experience vicariously or through the arts. These are the crises that we all probably wish away and hope that it doesn’t happen to us. Perhaps a marriage ending, a child dies, an addiction, a business bankruptcy, redundancy, a life-threatening illness, death, loss of loved ones or loss of personal mental capacity and independence.

These are no small matters, and I wouldn’t presume to pretend that financial planning removes the stress of such situations. However, raising such issues enables us to do some planning, but sometimes helps simply to acknowledge the reality that we cannot control very much in life at all. I will also not claim any special skills or talent in this area, it’s a minefield of values, beliefs and emotions. However, experience has taught me to face these challenges personally and with clients. I have improved my ability to ask the pertinent questions over the decades, but of course responses differ and there are no ‘right answers’.

Coming to terms with loss… 

I was asked to speak at a funeral of a friend who died much too young. One of the things I believe is that life is about coming to terms with loss. The majority of the gathered crowd simply stared back at me, looking incredulous. So perhaps I should’ve explained my position rather better. Life is precious, it’s a gift, it’s a miracle that any of us are here. It is also incredibly brief and once you have got over your own infant state of omnipotence (which for most of us happens in early childhood) you realise that everything you have and hold dear will eventually leave you. Whether that’s friends, brain cells, careers, skills, loved ones, money, energy, mind, health and so on… your va-va-voom eventually. Coming to terms with this isn’t always easy, in fact I’d say it’s a lifetime education. However, it will come to us all.

How do you measure a year? Seasons of Love – 525,600 minutes

One of my favourite musicals is Rent by the marvellous Jonathan Larson (who died the night before its premier – imagine that!). He begs the question “how do you measure a year?”. Of course we value your portfolio and consider its returns against markets; this is obviously sensible in the context in which we operate, but frankly, these are not measures of your life. I’m probably two thirds of the way through my lifetime, maybe it will be longer or shorter, but however much time I have left, I am grateful for each day (I’m practicing at getting better at this) and believe that it is my responsibility to get (and give) the most out of it. To experience connection and make meaning, which will almost certainly be forgotten within 100 years or less.

The assumption that tomorrow will be like today is deeply flawed. Carpe diem and all that. I’m not suggesting that we should live in a state of euphoric life maximisation (even if it is possible to do so); but certainly to consider the reality of loss as a built-in design of life. Pretending it isn’t so seems incredibly naive (at best). When such unwelcome challenges arrive at your door, plans have to change, sometimes dramatically.

I know that many of you have had these experiences and at times life is very hard. I cannot promise easy fixes, soft landings or neat solutions; I can simply promise that my team and I are empathetic and very much in your corner.

Your timeline is your own, we will help you to identify many of the key milestones that lie ahead and help plan for them. It is my belief that your financial plan should be rammed full of the things, people and experiences that you truly value.

Links: Rent the musical: https://broadwaymusicalhome.com/shows/rent.htm#gsc.tab=0

Seasons of Love song: https://youtu.be/PgBjMZ4IeKY?si=h0TgWf_BNxc-TfCU

Seasons of Love Lyrics: https://genius.com/Original-broadway-cast-of-rent-seasons-of-love-lyrics

The crisis of living2023-12-07T15:34:02+00:00
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