Sian Davies Cole

Mar 7, 2024 | moneymarketing.co.uk | Sian Davies Cole |Caitlin Southall |Momodou Musa Touray

With responsible investing on the rise, it is important to consider whether you want to offer a specific responsible investment proposition. You don’t have to, of course, but we have a duty to consider whether clients have any ethical or other preferences in our assessment of their needs. If you are interested, consider whether stewardship might work for you. If it does, you might not need to change your proposition at all. Firstly, lets define what we mean by responsible investment propositions.

Jan 5, 2024 | moneymarketing.co.uk | Sian Davies Cole

In financial planning, especially within cashflow modelling, we have to make a number of assumptions. Some of them are guesses made on history and others because we either do not have, or it is not possible to get, the true answer. Either way, assumptions are not facts and can be dangerous. To ensure danger is reduced to an acceptable level, we need to do our research on what assumptions to make. But I think we need to start with what cashflow modelling actually is.

Nov 24, 2023 | moneymarketing.co.uk | Sian Davies Cole |Katey Pigden |Ian McKenna |ian mckenna

One of the main fundamentals of financial planning is recommending a pot of money is always held in accessible cash savings in case any unexpected expenses crop up. The main purpose of that emergency fund is to ensure we can feel comfortable investing other money in the knowledge all planned expenses are covered from cash, as well as a bit more set aside for unplanned expenses. But how much should a client have as an emergency fund?