Recipes vs Reality: Why Consumer Duty Demands Creative Thinking
We process an enormous amount of information in financial services.
Money Wise UK® provides independent consultancy, research and practical resources for financial planning firms.
I work with firms across retirement planning, investments, compliance, operations and client communication, helping turn regulation, ideas and strategy into practical solutions that work for the business and its clients.
Consultancy | CRP® | Investment Research | Compliance | Marketing & Communication
Every firm is different. My role is not to arrive with an off-the-shelf answer, but to understand the business, identify the challenge and help develop something that works in practice.
Helping firms develop, review and strengthen their approach to retirement and decumulation, including the Centralised Retirement Proposition (CRP®).
Independent fund reviews, investment proposition support and input into investment committees and governance.
Support across compliance, operations, governance, propositions and business development.
Helping financial planning firms explain complex ideas simply, demonstrate value and communicate more effectively with clients.
Money Wise UK was created after more than 30 years working in financial services.
Over that time, I have worked across investments, compliance, operations, client communication and the development of financial planning propositions.
That experience shapes how I work today.
The focus is not simply on what a regulation, process or investment solution says. It is on what it means for the firm, how it can be implemented and, most importantly, whether it helps deliver better outcomes for clients.
Money Wise UK does not manufacture products or provide personal financial advice. The focus is on helping firms think, challenge and develop their own proposition.
Ideas have to work outside the meeting room. Recommendations are designed around how financial planning firms actually operate.
I work alongside firms and their existing teams rather than trying to replace what already works.
Money Wise UK has developed a growing library of research, guides, tools and practical resources.
Everything is designed to provide a useful starting point for further research, discussion or development within financial planner firms, and individuals looking to explore the investment world.
Independent reviews of funds, investment trusts, model portfolios and retirement solutions.
Practical tools and calculators designed to support financial planning.
Briefing papers, compliance updates, retirement material and other downloadable resources.
Conversations with investment professionals, financial planners and other people with interesting perspectives on financial services.
30,000+ downloads and growing
10 Aug 2026 14:27
We process an enormous amount of information in financial services.
6 Aug 2026 16:23
I am on something of a mini mission.
17 Jul 2026 17:13
Was this worth a coffee? Not a flat white. Just a regular, sensible £2 coffee. If this helped, feel free to buy me one. If it didn't, keep your money , that's only fair
14 Jul 2026 18:43
I was recently asked to review the final book Jeffrey Archer is writing. While reading it, I was reminded of just how good a storyteller he is.
6 Jul 2026 10:35
When I started Money Wise UK and began helping IFA and financial planning firms, I did not expect the volume of papers, reviews, consultations and updates that would come out of the FCA.
25 Jun 2026 18:36
We all have biases.
You may have a specific project that needs an independent pair of eyes, or you may want someone to work alongside the business on an ongoing basis.
Either way, the starting point is a conversation about what you are trying to achieve.