Is Love Ever in the Air?

Dominic Thomas
Feb 2026  •  2 min read

Love is in the air

As you will gather from your inbox, television and general trips to the high street, Valentine’s Day is upon us. I imagine that we all have different responses to this, I have a great deal of sympathy with those who think it’s commercialising love and actually making many people feel entirely left out.

I should probably admit my own biases. I started dating my now wife on Valentine’s Day many years ago (we were at school) and I took her to Paris to propose to her on a Valentine’s Day a few years later. So I’m a sucker for ‘romanticism’! I was a lot younger then and far less experienced (weathered by life). We still celebrate and mark the occasion, but I certainly see the problematic side of commoditising ‘love’.

For me, Valentine’s Day is an anniversary, a reminder of the past and a happy form of accounting. Whilst I am not a fan of nostalgia, I do think it can be helpful to look back and see how far you have come. One of the greater challenges in financial planning is that we are often pointing to the future, the illusive horizon of opportunity, yet it is really important to pause to consider just how much has improved.

Most of you will now have an incredibly low-cost investment portfolio, genuinely designed and shaped around your plans for the future. You can check in to monitor its progress at any time (not a great idea, but you can). It is optimised for tax planning and incredibly well organised. Many will have a far better sense of structure and order having got rid of the deadwood or expensive legacy ‘stuff’ that you once had. You’ve had a proper clean out, a new broom though your finances. It’s a far cry from a collection of dog-eared papers stuffed into files or retained for posterity in their envelopes with nothing seemingly joining up and feeling very random.

Your financial planning now, hopefully feels that it fits you like a good outfit, bespoke to your circumstances and needs. I appreciate that you may not completely remember why an ISA is so good, or what pension rules you are adhering to, the tax and charges saved that you didn’t pay, but you presumably (yes?) trust us to have this under control (and certainly under our responsibility).

It may be a stretch, but might I suggest that your financial planning now holds the imprint of love – your passions, people and dreams. You are living and giving. It’s not simply about you, it’s about you and. Yes that is a deliberate statement, not an unfinished sentence.

My bounty is as boundless as the sea,

My love as deep; the more I give to thee,

The more I have, for both are infinite.”

Act 2, Scene 2 Romeo and Juliet, William Shakespeare.

So as we face a world that often seems in desperate need of love; I encourage you to pause to remember how far you have already travelled; you are and have been, taking action to make the world a better place.

Much love.

?

Oh and here is a lovely scene from Romeo and Juliet (1996) directed 30 years ago by Baz Luhrmann with a few very familiar but much younger fresher faces.

Is Love Ever in the Air?2026-02-25T09:38:23+00:00

Do you feel invisible?

Dominic Thomas
Jan 2026  •  3 min read

Do you feel invisible?

One of the statements I hear increasingly, perhaps I am more aware of it myself, is that with age, there is a growing sense of feeling invisible. Lately a number of thrillers or crime stories have played with the idea of being invisible in plain sight.

I was struck by this and had the sense rather amplified by an exhibition at the Royal Academy of Art by Kerry James Marshall. His work depicts his background (a black man born in 1955 Alabama and living in the United States) and confronts this stark reality. An entire room is entitled Invisible Man based around the 1952 book by Ralph Ellison which I bought last year and still haven’t got around to reading. His study is fascinating and deeply unsettling at the same time.

His work confronts injustice, inequality and his African roots all whilst deeply engaged in various foundational aspects of art history and process; incorporating contemporary, even very temporary, aspects of pop culture. A striking piece is his 2003 Black Painting which is totally in black (a comedy sketch from The Fast Show immediately comes to mind as I write) but this is the polar opposite – a couple lying on a bed, the room gradually coming to life as you notice different items and symbols such as the Black Panther flag. It’s very potent indeed and may be an imagined depiction of Fred Hampton moments before he was murdered by Chicago Police in 1969.

What on earth has art got to do with financial planning? Nothing and everything. Art is story and an insight into how the world is seen through the eyes of an artist, yet of course we are largely surmising and viewing through our own lens. When we are building your financial plan, and you are asked about what you may wish to do in the future, it’s common to think that you are expected to offer up some ideas of the places you would like to visit, the beaches you wish to experience, on your yacht whilst popping off for a hot air balloon ride, the golf club membership and advanced skills that you can acquire. There is nothing wrong with any of these things of course, but they are invariably dreamt up by the Don Drapers (Mad Men) of this world and not necessarily what you really wish to do. The truth is that our unique sense of who we are can become invisible even to ourselves as we become so accustomed to social expectations of what we should want from life. I also tend to believe that “if you don’t sacrifice for what you want, what you want becomes the sacrifice”. The question I ask you may even be unfair in the sense that it is so rarely asked at a deep level, and to provide an answer immediately is far from straightforward.

Most of us will struggle to explore much of our personality beyond the boundaries of our upbringing, which is perhaps why there is currently a palpable sense of rose-tinted nostalgia of a time “when things were better”, for which most of us really mean – less different or less challenging to an inability to address the life force of life – growth. It is evident that the struggle for equality is ongoing, the word itself seems to be a nuclear trigger to right wingers.

To honour who you really are and to embed your values deeply into your financial plan, to my developing mind, seems to require a sense of where you wish to arrive (if indeed that is possible) but certainly what impact, memory, impression or legacy you wish to leave with those who care about you and hopefully ‘know’ you.

I suspect that a common problem is the notion of being ‘ordinary’, but I believe that ordinary is surely what we wish to be, an acceptance of who we are yet a willingness to learn, change and improve what we can. The inability of world leaders to own the reality of their ordinariness is the fuel for their narcissism and inability to actually serve. However there is the other sense of ordinary, being ordinary but uniquely appreciated.

Anyway, you are appreciated and certainly not invisible to our small team at Solomon’s. We recognise and value your story and seek to help you to allow it to unfold. Whether you realise it or not, you have already made an impression on us. I certainly hope that you do not feel invisible when dealing with any member of the team.

Remember, the goal isn’t more money, the goal is living life on your terms.

The Kerry James Marshall: The Histories exhibition runs at the RA until 18th January 2026. Here is a link to a video of Marshall talking about nine shades of black. https://www.royalacademy.org.uk/article/video-kerry-james-marshall-black-paint

Do you feel invisible?2026-01-26T11:51:55+00:00

Money & film: A Complete Unknown

Dominic Thomas
Jan 2025  •  2 min read

Money & film: A Complete Unknown

The New Year is very much underway; my inbox has been full of emails from investment companies telling me what they expect from 2025. These days I’m rather more circumspect and much more defensive about your money than I was 25 years ago. It’s a year like any other; unknown. We know some things will almost certainly happen (they are in the diary); things we expect to happen and then a plethora of stuff we suspect might happen and then the things we will be surprised by. Sounding a little like Donald Rumsfeld – we don’t know what we don’t know.

What we do know is that your financial plan is best based around your own values, circumstances and expectations. We know that over the longer term, holding global equities provides the best chance of maintaining and improving the purchasing power of your money, but with this comes volatility.

There’s a new film A Complete Unknown; the story of Bob Dylan, a man whose name most people will know. It charts the start of his career in 1961, aged 20, meeting Woodie Guthrie and Pete Seeger, both successful musicians of their day who recognise his talent which provides the platform for his arrival on the scene. It’s a time of change, JFK is sworn in as Number 35, The Beatles are starting out, The Bay of Pigs invasion, civil rights protestors are harassed by Police, beaten by KKK. There are riots in Paris, a host of stand offs between Soviets and the US, the Cold War really starts and the year closes with JFK sending 18,000 special military advisers to Vietnam. Despite all the disasters and uncertainty, 1961 saw the US market up about 19%.

The film explores Dylan’s rise to fame as a folk singer, his relationship with Joan Baez and his need to continually change, adapt, leave and move on. Some, it would seem (like Seegers), wanted him to help restore folk, but Dylan found this suffocating and a tie to the past that was unhelpful. His transition to the electric guitar was unwelcome by most in the folk scene.

Dylan is now 83 and has his next birthday in May. He is undoubtedly a survivor, his career has been long in the making with over 125 million records sold world-wide making him one of the best-selling musicians of all time. He has been the change and witnessed it, but often it has been a slow train coming…

Your planning is best viewed in the long-term. Whatever the world throws at us in 2025, take the long-term view. Change is constant.

Here is the trailer for the new film.

Money & film: A Complete Unknown2025-02-07T15:53:47+00:00

THE BIG ‘FIVE – OH’!

TODAY’S BLOG

THE BIG ‘FIVE – OH’! 

In our last edition of Spotlight (our client magazine), we had a loose theme of ‘milestones’ and some of our wonderful clients wrote about their own personal challenges and celebrations, so I’m sure that some of the content will have resonated with you.

During our planning sessions for the magazine, it was interesting to note that we talked less about ‘when’ and more about ‘what’ our own (and clients’) milestones looked like.

Whilst we make a point of celebrating ‘big’ birthdays and ‘big’ anniversaries, these aren’t necessarily the momentous occasions that mean the most to us.

For many, the milestones are educational, or career-based, or ‘stage of life’ – buying your first home, getting married, having your first child (or grandchild), clearing your mortgage, retiring, receiving care or going into a care home and of course the deaths of important loved ones.

These are the moments in our lives when we often consider all the effort it took to get there and the (often emotional) rollercoaster as we look ahead to our new ‘normal’.

That’s not to say that the traditional milestones aren’t important anymore – as one who is facing the big ‘five-oh’ later on this year, I find myself strangely serene about the aging process.

Ten years ago, the thought of becoming ‘middle-aged’ filled me with dread … but now that I’m comfortably there (!) it doesn’t bother me in the slightest.

As I reflect on my almost 50 years on this planet, I count my blessings often – my family, my health, a roof over my head, a great career. The future looks bright and I’m looking forward to doing more, seeing more and learning more.

My personal milestones are many and varied and I relish the fact that I have so many more to look forward to.

We have an ongoing conundrum here at Solomon’s – whenever we talk about ‘life is short’ there is an immediate contrast that ‘life is long’ too!

We advise clients for many decades (and often look after two or three generations of the same family) and yet through loss and grief, we know that our time here is not guaranteed. So there is always an element to our work of planning for longevity but accounting for brevity.

We cannot plan for every eventuality – our future milestones aren’t guaranteed – but we must surely seek to achieve as many of them as we can while we can.

And when I turn 50, I’ll be sure to celebrate all that I have achieved in my life to this point and embrace hope and expectation for a long and well-lived future.

Debbie Harris
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]

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The Old Mill Cobham Park Road, COBHAM Surrey, KT11 3NE

Email – [email protected] 
Call – 020 8542 8084

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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?

THE BIG ‘FIVE – OH’!2023-12-01T12:12:45+00:00

AIN’T NO MOUNTAIN HIGH ENOUGH

TODAY’S BLOG

AIN’T NO MOUNTAIN HIGH ENOUGH

Following a recent move, I find myself living relatively close to the lovely area of Box Hill, just one of many areas of natural beauty that the Surrey Hills have to offer. Naturally, I decided to climb this vast (in my eyes) hill armed with my new-found affinity for going on walks, borne out of the depths of multiple National lockdowns – I’m sure that many of you will relate.

With some effort (made harder by my choice to climb in a practically vertical fashion up the 275 large steps to the summit instead of one of the rather more gentle inclines available), I made it to the top of the hill. I sampled the magnificent views and treated myself to a coffee – I felt that I’d earned it. I thought that the hard part was done.

Alas, I was wrong. My descent back down the hill was treacherous beyond imagination, leading to more than a few dicey moments and a poignant feeling of regret at my frankly dreadful choice of footwear. I lived to walk another day, though I’m sure that it was touch and go there for a moment!

As many of you already understand, accumulation of wealth is the growing of capital through various different means, most commonly saving and investing. We’ll call this ‘the climb’. This is the process involved in a financial plan that often comes to mind first and without doubt takes hard work, discipline and a detailed plan in order to reach any goals discussed at the outset. You would not be blamed for placing the greatest amount of importance on this stage. But what about decumulation?

In contrast, decumulation of wealth is the direct opposite of accumulation – utilising your capital (sometimes referred to as ‘spending down’) to cater for any one person’s particular needs, most often in retirement. We’ll call this ‘the descent’. This sounds like a wonderful situation to be in, and it is, but there are many potential pitfalls that one could fall into without proper thought and planning. Enter your financial planner. To ensure that you use the assets that you have worked so hard to accumulate over many years in the best, most efficient way possible – in order to allow you to continue to live the life you want to live – for us here at Solomon’s, that is what financial planning is all about.

So it’s important to remember that there are at least two sides to every hill – and any good climber will tell you how important it is to plan for traversing the other side. The descent can require as much consideration as the climb.

Daniel Liddicott
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 Dominic 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?

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?

AIN’T NO MOUNTAIN HIGH ENOUGH2023-12-01T12:13:08+00:00
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