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Do I have enough? Reflections on Adviser 3.0

Matt Loadwick
Post written: May 2026  •  Published: May 2026
2 min read

Do I have enough? Reflections on Adviser 3.0

Last week I attended Timeline’s Adviser 3.0 conference along with Daniel & Jemima. I also attended the conference last year, in what was my first experience of a financial services industry conference. I was pleasantly surprised by the brightness and energy of the event (it was ‘carnival’ themed after all…) and this year was a similarly vibrant occasion!

We had the privilege of attending some thought-provoking talks from industry leaders, kicked off with Morgan Housel, the author of Psychology of Money (Dominic has handed out a good few copies of this book and we have some left – so please email [email protected] if you would like a free copy – it’s a good read!).

Morgan’s focus is on how human behaviour affects financial outcomes, as opposed to thinking of finance as a science. He’s an excellent communicator, utilising the art of storytelling to get across his sharp and incisive points. Reflecting on his session, one of the points that resonated with me was the poignant question put to the audience, “do I have enough?”

This hugely important question is key to financial success, and our satisfaction with life itself. Morgan sees this reflection as something that should be exercised regularly. It is not some state of enlightenment that we all reach (as great as that would be); rather it’s an ongoing process of reflection, a process that I intend to do more regularly!

With a view to helping advisers connect better with potential clients of all ages, Dr Paul Redmond delivered an insightful and entertaining talk about generations – from Baby Boomers all the way through to Generation Alpha (who have now been succeeded by Generation Beta).

Dr Redmond sought to highlight common trends in each generation, things that arise through shared experiences of technology, culture or societal expectations; all of which are, of course, forever evolving. I was particularly struck by his assertion that in a world where technology has become ever-present, we have lost the experience of boredom, which has in turn had a negative impact on our attention span. The line from Dr Redmond’s slide said rather neatly, “A wealth of information leads to a poverty of attention. Attention is our biggest barrier to success.”

I came away from the conference feeling inspired and full of ideas, which is exactly what you’d hope for from an event such as this. The financial services industry doesn’t always have the best reputation, but the best of the industry offers some excellent people full of bright ideas, who give cause for optimism about the future.

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Do I have enough? Reflections on Adviser 3.02026-05-22T15:11:52+01:00

What happens if my bank goes bust?

Matt Loadwick
Nov 2025  •  3 min read

What happens if my bank goes bust?

It’s probably fair to say that consumer understanding of the banking system is varied. Many people (and I used to count myself as one of these) live their lives being under the impression that the money held in their personal bank accounts, the numbers they see on their bank statements or banking app at any one moment, represents their money alone, which is held in their separate bank account, for themselves, and themselves only.

In reality, this is not quite how it works. It is true to say that it is your money, in that it is money you are entitled to. However, what happens to your money when you deposit it with a bank is not quite the same as what some people may picture. Rather than it just sitting there waiting for you to use it, the bank keeps a small reserve and then lends out the rest to earn profit, charging interest on loans and mortgages etc. This means that there is some element of risk involved when depositing funds with a bank that probably isn’t at the forefront of our mind. This is probably because (living in the UK), we take the safety and robustness of the financial services industry as a given. All banks have safeguards in place to limit the risk of you not being able to access your money; holding reserves, managing cash flows, and borrowing if needed so that it can meet withdrawals on demand.

In the UK, authorised by the Bank of England’s regulatory arm, the Prudential Regulation Authority (PRA), there are further protections for consumers in place. For the last eight years, savers with a UK-authorised bank, building society or credit union have benefitted from a deposit protection limit of £85,000, backed by the Financial Services Compensation Scheme (FSCS). This means that if your bank went bust, the FSCS would compensate you up to the value of £85,000, typically within seven days of a bank going out of business. It should be noted that this limit is per person, so in a joint account with a married couple, for example, the protected limit would be £170,000.

A new deposit limit of £120,000 per person has just been announced, taking effect from the 1st of December. This is a 41% increase on the current limit, and was a larger increase than was expected within the industry. At the same time, the protection on ‘temporary high balances’ – which accounts for scenarios where a customer may temporarily have a large amount land in their account following a property sale, receiving an inheritance or an insurance policy payout – will be increased from £1m to £1.4m. Temporary high balances are protected for up to six months.

Without doubt, this is good news for consumers. The chief executive of the PRA, Sam Woods, said that the new maximum limit “will help maintain the public’s confidence in the safety of their money.”

There are concurrent concerns of course that the higher deposit protection limit could encourage more wealthy consumers to cache more money in savings accounts, which is contrary to the government’s objective of encouraging people to invest in the stock market, and in British companies in particular, with the aim of boosting the economy. There may be some validity to this, but purely from the perspective of individual consumers, this increased protection should absolutely be seen as a positive move.

There is no way of holding money that is truly free of risk. Holding too much money in cash means you subject yourself to inflation risk – ie the value of your money being eroded over time. Investing in the stock market means that you subject yourself to investment risk – ie the possibility that an investment’s return will differ from its expected return, including the potential loss of some or all of your initial investment. We’re here to help you decide which risks are best for you in a way that enables you to live the life you want to lead.

What happens if my bank goes bust?2025-11-21T16:20:23+00:00

Worrying about money?

Dominic Thomas
March 2025  •  2 min read

Worrying about money?

Admittedly, all of us respond differently to pressure and some of us (if not all of us) create our own. I say this as a slight caveat to the statement I will now make. More than half of those aged over 55 are worried that they will run out of money.

This is the finding of research conducted by Oxford Risk, a rather bright bunch that offer services for modelling, measuring, managing and explaining risk to you our clients. As ever, the sample size of the survey wasn’t vast at just a touch over 1,000 people (all over the age of 55). Only 27% of them were not worried about running out of money in retirement.

It won’t please Gen X, Z or Y that around 12% are worried that they will likely be dependent on their children for financial support in their retirement, which when some reports laud the age of an enormous wealth transfer, clearly this will not be everyone’s experience and I suspect the hoped-for inheritance to finally enable joining the property market may be short-lived. It won’t help if your estate suffers a lot of inheritance tax.

Of course, some of this may be merely a reflection of the current cost of living crisis and inflation which at checkouts and cash registers seems to stubbornly ignore ONS official data. It may have something to do with a growing awareness of the exorbitant cost of care or maybe the apparent fragility of the state of the world.

I would love to be able to tell you that we can provide complete reassurance about the future, but it is of course unknown. What we can do is work with your real spending patterns and plans in conjunction with your existing resources and create a plan to avoid running out of money. This relies on regular reviews and sense-checking of our assumptions and your objectives. The intention is obviously to empower you to make informed decisions and have a high degree of confidence about the future, but no one can actually guarantee this, despite what they may be willing to tell you.

We aren’t afraid to wrestle with reality and construct a viable, sustainable plan for your future that will deliver successful outcomes, albeit within the context of a changing and imperfect world.

You don’t need to be worrying, we have a plan that will alleviate this, this is what we do and have done with great success.

Worrying about money?2025-03-21T15:43:07+00:00

The Money Fog

Dominic Thomas
Oct 2024  •  4 min read

The Money Fog

I came across a clip of an interview with female comedian Shappi Khorsandi who was talking about her struggle with money and the particular additional challenges that she faces due to ADHD. She described an inability to understand and manage her finances and whenever someone has attempted to help with explanations, it feels as though she is back in a maths lesson, where understanding and explanation rarely meet. Her ADHD meant then and now that her mind is spinning with distraction which removes the chance of any understanding.

This has resulted in Shappi facing financial problems and the preferred solution is to avoid thinking about it. This results in unopened letters and emails which leads to County Court Judgements and significant difficulties with any financial institution thereafter.

I don’t have ADHD, but I understand that it is a spectrum (like many things) and of course I also struggle to understand a lot of things … I acknowledge that this isn’t the same thing, but I simply wish to state that I understand at least some of the feelings around not understanding.

Unfortunately, the time in which we live means that understanding money is really very important in terms of basic living in both the present and the future. In truth, many of us struggle with numbers and financial concepts. Certainly, there will be people who struggle more than others, but it would seem to me that the financial sector has often deliberately made life more complex and full of jargon than it needs to be.

Shappi made the point that for a long time she didn’t know how to articulate the problem and the help that she needed. She struggles with the administration of her finances and understanding what she sees on a statement. I would argue that this is not exclusively a problem for people with ADHD, but for many people; and indeed as we age, our ability to cope with evolving technology and concepts becomes ever more challenging.

So my question in the thread and here to you, is on one level rather simple, but of course not a simple answer. What can we do to make managing your finances easier? How can we make things more straightforward? Given that we don’t wish to overreach our responsibility and remove any sense of your own agency from the dynamic – we cannot simply ‘do it all for you’, but I am certain that we can improve on what has gone before.

The FCA are aware of the problem, in many respects it is evident in their approach. At one level, they do not believe that most people can calculate 1% of a number, so advisers have to clearly state fees in cash terms not simply percentages. At its heart, the latest initiative Consumer Duty (which builds on the prior initiative of Treating Customers Fairly) is about this, but it’s still all about numbers and not really about helping people to build resources for their financial independence.

I would suggest, politely, that a lack of understanding combined with inertia are the real reasons why people don’t move their savings accounts to better rates of interest or invest cash that they are really very unlikely to need for five years or more. This is not helped by the reality that ‘advice’ comes with lengthy documentation and the litigious world in which we live means that those of us dispensing advice are caught between simplicity and detail for fear of claims in the future about “not understanding”.

Money is complex, partly because it can involve a lot of maths and formulae, but also because the jargon and terminology used make most of us shut down! There is also the very real problem that we are human, most of us are not really interested in money, but in what it can do for us. Having the self-awareness to appreciate that you don’t need to be an expert but need one; but not completing delegating decisions is a journey that you are on. I know it works, but I certainly recognise the size of the emotional step that you have taken, which is easier for some than others.

In this process, trust is obviously an enormous factor and it’s my belief that trust, whilst I can earn it by keeping promises, is at its core instinctual.

The Money Fog2025-01-28T10:02:51+00:00

The Beekeeper

Dominic Thomas
March 2024  •  2 min read

The Beekeeper

There was a click of the call suddenly ending. She stared at the monitor, the sudden reality of what had just happened began to flood her body.  Her account balance stared back at her; it was all gone.

If you have ever been scammed, you will understand the mixture of feelings – shame, embarrassment, anger and a deep despair. “It’s not personal” is a response that has a hollowness of the desensitised. Fraud is a very real form of abuse, abuse of the uniqueness of the human character.

The Beekeeper is an action film that plays to our very ordinary desire for revenge. It may not be your cup of tea, but I found it amusing and cathartic. My inability to understand why some people choose to rip off others without any motive other than greed is just part of my own hardwiring. It makes me very angry.

Jason Statham, a man ticking the box for the perfect assassin, whilst seemingly very able to not take himself or his roles too seriously, plays Adam Clay, a ‘Beekeeper’ which is some black ops Government-sanctioned sword of Damocles, who takes matters into his own hands in the pursuit to end the call centres that scam the vulnerable with their promise of fixing a computer.

Of course it’s daft, but satisfying if, like me, you achieve a sense of a ‘balance in the Force’ through fiction because our reality of justice is often deeply disappointing. It’s not for all, it knows its audience, but even if that isn’t you, the scene early in the story of how a malevolent call centre loots an intelligent elder of their life savings is worth the educational value and disturbance to your sensibilities. I would counsel you to learn about and be alert to this and similar scams. Money is never just money if you understand what it represents.

Here is the official trailer:

The Beekeeper (2024), Directed by David Ayer, Starring Jason Staham, Miramax

The Beekeeper2026-03-24T16:39:58+00:00

Money management for children

Debbie Harris 
Feb 2024  •  2 min read

We don’t need no education…

It is widely recognised and acknowledged that children start forming their spending and saving habits as young as seven years old; yet still we do not teach money management skills in our Primary schools here in England.

Largely therefore our children develop their relationship with money in a very organic way – largely from what they see or hear (from parents, friends, advertising, TV programmes, social media etc); which means it is basically a game of luck as to whether a child learns good habits or bad habits!

The Scout Association has seen this ‘gap’ in the education of our young people and has introduced a merit badge called the Money Skills Award (with some funding from HSBC and consultation with the charity Young Money).

In order to achieve this badge, children have to complete a selection of money-related tasks … anything from creating their own currency to budgeting for a trip.

Bear Grylls, UK Chief Scout, hopes the new badge will help Cub Scouts and Beaver Scouts develop life-long financial skills “in a way that only Scouts can by helping them build their confidence and understanding of money in hands-on format”.

As a result of the COVID-19 pandemic and the increase in use of contactless payment methods, young children typically may not see coins and notes very often anymore and instead have a sense of money coming from a ‘magic card’ that seemingly has an endless supply!

Older children are also suffering from the impact of the pandemic – with literacy and numeracy ‘falling short’; the knock-on effect of which is that millions of people have problems budgeting effectively, planning for the future and making informed decisions about their finances.

At Solomon’s we have a real and genuine desire to educate people (regardless of age) around the sensible and wise use of their resources and we often look for ways to impart useful information in an easy to understand format.

For any of our clients with young children (or grandchildren), if you would like to receive any resources from us that might be helpful – please do let us know; we are building a useful ‘bank’ of information from various sources that we could pass on to you.

Money management for children2024-02-01T09:53:09+00:00

Traitors and behaviours…

Jemima Thomas
Jan 2023  •  5 min read

Traitors and behaviours…

I love binge-watching a TV series and a good murder mystery is my favourite, so naturally it’s no surprise I tuned into the BBC’s latest reality TV series, The Traitors. Two months on, and the show has been streamed more than 28 million times on BBC iPlayer. To say it has been a success is an understatement, and there is now a US version (yes I have also eaten my way through this too!), which has also been a brilliant watch.

The basic ‘plot’ is that 22 strangers are moved into a castle in the Scottish Highlands to complete a series of challenges and missions together as a team, to add to a pot of money that they might win at the end of the game. The game consists of three secretly-assigned ‘traitors’ and the rest being ‘faithfuls’.  The goal of the game is for the faithfuls to collectively reach the final, where they’ll be able to split the winnings. However, if a traitor (or traitors) manage to reach the final, they get to take the pot of money for themselves. Throughout the game, the three traitors are secretly lurking, sabotaging the efforts of the others and picking off contestants one by one. Each evening, contestants gather around a table to ‘banish’ someone they suspect of treachery.  It’s the ultimate game of detection, backstabbing and trust, the faithfuls must root out the traitors amongst their ranks to win; or risk losing everything.

On paper I’m not sure this sounds quite as thrilling as it was to watch play out, but I can assure you (if you haven’t already watched) that it’s incredibly gripping and shocking to see the lengths to which people will go to defend themselves under pressure. With everyone feeling confused, sketchy (or not!) behaviours become magnified and analysed, and emotions quickly run high as the days pass.  It’s safe to say that they all seem to become a little mad as a result of not knowing who to trust. Morals are thrown all over the place, and each person quickly becomes defensive (and sometimes aggressive) in order to convince other team members that they are in fact a faithful.

I’m very aware that trust and money are two of the most important aspects of financial planning.  You have to trust that although the stock market will dip, it will inevitably rise again (albeit very slowly at times), you have to trust that your money is in the safest hands, and that your long term goals will be possible.  Our behaviour around how we manage our feelings on this is vital.

This brings me to the book I was reading a few months back, Psychology of Money by Morgan Housel. It’s a brilliant easy read on how money isn’t necessarily ‘what you know’, but ‘how you behave’.  Housel says “behaviour is hard to teach, even to really smart people”. He shares a number of short stories exploring the strange ways people think about money, and how people tend to make financial decisions as a result of their background, marketing, and intuitive knee-jerk decisions.

We have a few copies of Morgan’s book available, so do contact us if you would like to receive a copy and we will send one out to you. I highly recommend watching Traitors (and the US version if you enjoy the UK one!) and to set some time aside to read Morgan’s book if you can.

Traitors and behaviours…2023-12-01T12:12:38+00:00

101 THINGS TO DO WITH OLD COINS…

TODAY’S BLOG

101 THINGS TO DO WITH OLD COINS…

There is a lot of discussion in the media about the UK becoming a cashless society and whilst I think (hope?) that this is a somewhat distant possibility, we do need to consider what that might look like in reality.

A side effect of the covid pandemic has been that most of us have got used to making ‘contactless’ payments and many of us are very happy to purchase items online, so it may be that a majority of the population won’t miss ‘cash’ too much (when/if that day comes).

My Dad (who is a self-confessed dinosaur when it comes to all things ‘tech’) has recently learned to pay for things using his contactless card, but he insists that it is worth keeping a ‘stash of cash’ in case the internet ‘vanishes’!

I should add that he also has an ‘apocalypse’ emergency survival kit just in case of a tornado, tsunami, hurricane etc (he lives in Surrey!). He was never a Boy Scout (but he was an officer for the Boys Brigade many years ago), but as a ‘Boomer’, it is part of his make-up to always be prepared and as my daughter once said “expect the impossible”! (She regularly mixes up her old adages to our amusement).

Anyway – I digress – back to cash!

So what will become of all the coins once they are obsolete?  I’m sure there’s an actual answer for that – something like melting down and re-using the metals, but I think I prefer a rather more artistic method of recycling … enter the Japanese art of coin stacking!

With a steady hand and far more patience than I possess, coin stacking is intricate and mesmerising … take a look

Debbie Harris
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on our blog which gets updated every week. If you would like to talk to us about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email [email protected]

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101 THINGS TO DO WITH OLD COINS…2023-12-01T12:12:45+00:00

WINNING TICKET

TODAY’S BLOG

WINNING TICKET…

You may have seen that an enormous record-breaking amount was recently won on the EuroMillions lottery. That would certainly help with the inflation on your utility bills!  It would seem that Joe and Jess Thwaite have picked up an oversized cheque for an oversized amount of £184,262,899.

Obviously suddenly winning a large sum of money is going to be life-changing despite what some may think, say or perhaps wish; there’s no doubt in my mind that life would change dramatically. The adjustment to sudden wealth is not easy. We see it in literature, history and contemporary culture. Few people are able to cope with the changes as well as they may have imagined.

I’m not convinced that it’s a good idea to even reveal in public that you have won. Life will certainly not be able to continue as it was. I don’t mean just the jobs that winners had, but many of their relationships will be altered.

Winning a large amount of money will provide a very large number of choices. Things that yesterday seemed very relevant are suddenly surpassed by a plethora of options. These, as ever, are reduced to spending, giving, saving and investing. How would YOU use £184m? As a financial planner, it’s a bit of fun to work out strategies for what could be achieved within the added complexity of tax rules and allowances.

It’s nice to dream a little about this sort of choice, but I suspect that you and I will not have the problem that the Thwaites’ now face. It’s unlikely that you’ll be worrying about the colour of your Learjet or your third Ferrari. There are countless luxury brands that would be all too keen to swap trinkets and toys for cash.

Yet we all have choices about how to use the funds that we DO have. In comparison to most of the world, here in the UK most of the population are ‘rich’. Our choices, however insignificant they may seem, are likely to be envied by billions of people around the world. We may bemoan the standard of service, waiting times or general ineptitude we receive from various organisations, but we are in fact rather lucky to be living at a point in history when we can do so.

The truth is that we all have choices about how we spend, give, save and invest, though it may not feel like we do because living in the UK is expensive. The average house in the UK was £278,000 in March 2022 according to the ONS, up 9.8% over 12 months (but slowing). London averages are an awful lot higher than this … and if you google SW20 8BT you will see that the approximate price of a residential property in Edna Road (where our office is currently located), is about three times the national average!

Our choices are therefore often governed by our location.  We have clients around the country and it is remarkable just how differently property is valued. Many have to live and work in a specific area, some do so to maintain relationships more easily, there’s a plethora of reasons, but these are choices.  Whilst you and I may never have the choice of how to use £184m, we do get to make choices each day. Money should serve, not be served; so to my mind – how it is used, deployed and shared, is rather more important than the toys I can buy with it, as nice as some of them may be.

Dominic Thomas
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on my blog which gets updated every week. If you would like to talk to me about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email [email protected]

GET IN TOUCH

Solomon’s Independent Financial Advisers
The Old Mill Cobham Park Road, COBHAM Surrey, KT11 3NE

Email – [email protected] 
Call – 020 8542 8084

7 QUESTIONS, NO WAFFLE

Are we a good fit for you?

Take Survey

PRIVACY POLICY  |  DATA PROTECTION

GET IN TOUCH

Solomon’s Independent Financial Advisers
The Old Mill Cobham Park Road, COBHAM Surrey, KT11 3NE

Email – [email protected]    Call – 020 8542 8084

7 QUESTIONS, NO WAFFLE

Are we a good fit for you?

Take Survey

PRIVACY POLICY  |  DATA PROTECTION

WINNING TICKET2023-12-01T12:12:49+00:00

Money is not a peace of mind, it’s a choice

Jemima Thomas
May 2022  •  5 min read

Money is not peace of mind, it’s a choice

If you are looking for a gritty (anxiety inducing) series to binge, then Ozark on Netflix is for you. The series is about a financial adviser who drags his family from Chicago to the Missouri Ozarks, where he must launder money to appease a drug boss. So basically it’s a show about Solomon’s! (Please note this is very clearly a joke and we are not affiliated to this fictional TV series).

I was very pleased to see how many hits (yes, I stalk this on the regular) my first blog post ‘Slow and Steady’ got a few months ago, and I’m hoping that my youthful (and often under-represented) perspective will be mildly interesting to read again …

Amusing to some I’m sure, but I’ve always used the backdrop of art mediums such as film and TV to understand more about life, and there are a huge amount of personal parallels that resonated with me whilst watching Ozark. For one, the show is filled with financial lessons and quotes that have stuck with me. One of my favourites comes from lead character Marty: “Patience. Frugality. Sacrifice. When you boil it down, what do those three things have in common? Those are choices. Money is not peace of mind. Money is, at its essence that measure of a man’s choices.” For me this completely encompasses why we do what we do here at Solomon’s, and why great financial planning is so important.

Finding a good financial planner is a choice. And I truly believe it’s one of the best and often life-changing decisions you can make. Aside from the obvious differences of what Solomon’s does and what character Marty does (we aren’t laundering money, killing people, or secretly working for drug lords), we are however helping our clients invest their money wisely, something that I have begun to do myself. Perhaps I’m avidly searching for advice more often now both in ‘life’ and when it comes to my own finances, but I am acutely aware of the importance of having a financial plan.

Life isn’t always straightforward and is constantly changing, but some financial lessons are staple and vital in the long-run. Much like what happens to Marty and his family throughout each season, they are constantly having to adapt under severe life or death scenarios, and it’s eye-opening to see (although fictional) what people choose to do to save themselves financially.

Choices are also wrapped up in mistakes – mistakes are wrapped up in choices

Advice isn’t something I take lightly. I used to despise unwarranted advice, especially in my teenage years where I probably had a chip on my shoulder and felt most lost. But as I’m getting older, it’s something I welcome with open arms, and usually ask for. Other people’s mistakes often teach the biggest life lessons, and an open mind allows the space for us to learn from one another.

I get to read and listen to clients’ stories regularly as part of my work on Spotlight (our client magazine), and we often ask ‘’If you could go back and give your 20-year old self advice, what would it be?” and the responses are always helpful and interesting. When people feel comfortable and safe enough to talk about their financial mistakes (or any mistake for that matter), I am reminded that every day is a school day.

Money is not a peace of mind, it’s a choice2023-12-01T12:12:50+00:00

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