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Good financial planning isn’t about certainty. It’s about judgement in the grey.

For most people, wealth isn’t built by clever investing - it’s built by earning more.

Britain once deleted 11 days - but refused to delete the tax.

Click here to read the notes and outcomes of the latest Investment Committee meeting.

A reflection on trading invisibility for the risk of being truly seen.

Greatness shows up as behaviour, not brilliance.

Why change is always unpopular - and always necessary.

The direction of travel is clearer. The destination is more modest than markets once hoped.

When systems rely on personal restraint, failure isn’t shocking. It’s inevitable.

Some financial decisions are cosmetic. Retirement planning is structural.

It’s possible to be alive, capable, and functioning - and still not fully here.

History suggests that when politics intrudes on long-term investing, savers quietly pay the price.

Markets obsess over who’s in the chair. Long-term investors care about what actually moves.

Most financial advice isn’t wrong. It’s just incomplete. Almost-Advice is where we take a second look.

A former professional cellist with three professional degrees, Naomi now helps people feel confident and comfortable with their finances.

A growing collection of small, well-chosen facts we’ve enjoyed learning each month - gathered in one place, simply because they’re interesting.

If dieting advice sounds exhausting, wait until you see financial advice.

What we’re building at Town Close - and why it’s designed to last.

Good news on inflation. A different reality at home.

Every “impossible” plan sounds sensible right up until someone tries it.

If money still feels frightening even when the numbers are okay, you’re not broken.

Certainty is comforting in the same way holding your breath feels safe. For a moment.

The habits you repeat without thinking are already shaping your financial future.

We don’t all start with the same financial hand. But progress isn’t decided by where you begin.

A wobbly cardboard castle and a village-hall panto reveal what good financial planning really looks like.

A financial adviser shouldn’t just be “useful.” They should be indispensable.

The most useful business lesson I learned this year didn’t come from a business book - it came from a novel about loneliness.

We chase certainty because it feels safe - but life is built on probabilities, not promises.

Less reform, more quiet nudges - this Budget subtly pushes you away from cash and complacency, and towards deliberate decisions.

Financial planning isn’t about lessons - it’s about creation. We don’t lecture; we co-create a financial portrait that reflects you, not a textbook.

A quiet Formula 1 win carries a bigger truth: you don’t need burnout-level intensity to succeed.

What can a CIA intelligence manual teach us about better financial planning? Quite a lot, it turns out.

When it comes to money, the truth is simple: the advice that works rarely looks impressive - but it’s built to last.

Great financial planning isn’t a one-off event - it’s a steady rhythm of small adjustments that move with how you live, change and grow.

Marwa brings years of experience in news and video production for major broadcasters both in the UK and abroad. She joined Town Close to oversee the website and lead on all things technical.

Every investor needs a myth - not a prediction. Because when the numbers fall, it’s the story you believe that keeps you standing.

The Chancellor’s latest Budget delivered plenty of headlines but very little substance. Most of what we have so far is noise.

Sometimes the smartest investors aren’t the ones who know - they’re the ones who admit they don’t.

Forget home runs. The real game-changer was data - and a refusal to follow the crowd.

Feeling unsettled by markets, cash or Budget rumours? Here’s a grounded take on what really matters - and why now is not the moment for big, emotional moves.

Financial planning isn’t about being world-class in one thing - it’s about being strong enough across everything that matters.

AI can write, calculate and optimise, but it can’t replace the warmth of being seen and understood. The future belongs to the teams that remember that.

Most money struggles aren’t about numbers - they’re about mindset, and lasting change starts by rethinking the stories we tell ourselves about money.

Suzan's true passion is supporting others to unlock their potential and see themselves as the complete, unbreakable beings that they are.

The real measure of planning is how secure it makes you feel, not how many charts it shows.

Parliament isn’t broken. It’s working exactly as designed. The question is - what replaces it?

The best advice doesn’t start with easy answers – it starts with braver questions.

You don’t need more information - you need a conversation that makes sense to you.

Real value in financial planning isn’t found by following templates – it’s found by thinking upstream and shaping solutions beyond the rules.

The government’s fiscal rules have changed more often than eyes can roll - eleven times in eighteen years.

Why financial planning should stop speaking Latin.

Confidence in financial decisions doesn’t come from pressure – it comes from how choices are framed.

Martine, Head of Operations , ensures processes run smoothly, clients are well supported and the team has what they need to thrive.

The Investment Committee met this week. Click here to read the notes and outcomes of the meeting.

A book on creative thinking made us reflect on how fresh ideas can change the way financial planning works.

Financial planning’s biggest risk isn’t the obstacles you see - it’s the invisible doors you never open.

True fulfilment comes from doing less, but with greater depth, focus and meaning.

At Town Close, we help unlock hidden potential through growth, clarity and collaboration.

The threat isn’t AI, it’s using it badly.

True wealth goes beyond numbers – it’s found in the trust, care and small gestures that make money human.

In a world of constant financial noise, the real skill is knowing which voices to trust – and which to ignore.

From bereavement to generational transitions, Jeremy and Suzan walk us through how they meet clients at life’s most pivotal moments and help them navigate not just their money, but their meaning.

With over 30 years in financial services and ranked among the UK’s top 1% advisers by qualification, Jeremy brings unmatched expertise and leadership to the team.

At Town Close, ‘good’ means trust, ownership and compassion - creating a team culture that delivers a more human, resilient client experience.

At Town Close, trust comes from everyday honesty, reliability, and empathy – because behind every portfolio is a person.

Culture isn’t perks or posters. It’s how we behave when no one’s watching. If we want to build trust with clients, it has to start with how we show up with each other - honestly, imperfectly, and on purpose.

Sometimes the best way to support someone isn’t to fix - just to truly listen.

Seeing investment risk clearly means starting with you - your life stage, your mindset and what really matters to you.

People talk about pensions, returns, inflation. What they’re really asking for is peace of mind. The real answers often don’t come until the third or fourth “why.” That’s when the transformation begins.

Pension inheritance rules are changing in 2027, potentially triggering a 40% tax. Now is the time to start planning.

At Town Close, we start with what matters most: your values, emotions and dreams – then build the financial logic to support them.

When the headlines turned bleak in April, some panicked. But most stayed the course - and have been rewarded.

Sceptical questions build stronger plans; that’s where good planning begins.

Known for her kind heart, great taste in food (Asian cuisine, please!), and dream of joining Race Around the World, Louise is a daily reminder that kindness and conversation go a long way.

Wealth isn’t a number – it’s the freedom to live life on your terms.

One hat, one promise, many small moments that build real culture.

AI is here, but people-first financial planning is still the real revolution.

Why ‘good enough’ financial advice is the most expensive mistake you’ll never see coming.

Numbers matter - but not more than your story.

Retirement isn’t an ending - it’s a recalibration of how you live, love and spend your time.

With exams behind them and results ahead, now’s the moment to pause, connect, and build confidence—starting with a simple money conversation.

Meet Sarah! From HR and compliance to client support, she’s the operations powerhouse keeping everything running smoothly at Town Close.

Meet Emma! From compliance to content to unexpected projects, she’s the calm in the operational storm here at Town Close.

Like Ali, true greatness isn't in the titles you win - it's in how you live.

The investment committee met this week. Click here to read the notes and outcomes of the meeting.

The way you log in to the Town Close app will soon be improving with a simpler, better and faster login experience.

“It’s just the way I am” can be a costly mindset when it comes to your finances.

Talent opens doors, but character keeps them open and defines lasting success.

What's your investing myth? The right one could save your financial future.

According to Jeremy, wealth isn’t about more money - it’s about time, presence and the freedom to focus on what truly matters.

Financial planning isn’t about forms - it’s about the conversations that shape your life and the clarity to move forward with confidence.

A GCSE joke answer highlights a key truth: good financial planning means clear, human judgment when certainty falls short.

Panicked investment decisions can be costly - sticking to a sound financial plan with discipline often leads to better long-term outcomes.

Feed your mind or risk the fall - growth is the key to staying sharp.

Stay the course - sticking to a strong financial plan beats the risks of impulsive detours.

You will have seen Alan on our webinars and met him at events but who is our Head of Stuff and what does he actually do at Town Close? From Jaws to hash browns, find out more about Alan here.

We all have goals—but without the right support structure, they remain out of reach. In this musing, we explore why your existing "scaffolding" might be holding you back, and why in life (and financial planning), it's not just about building wealth—it's about building it on the right foundations.

There's been a fair amount of market volatility since Trump first announced his tariffs so join Jeremy in conversation with Steve Williams from Cormorant Capital Strategies discussing this in our latest Market Update

In uncertain markets, confidence can be a liability. Drawing inspiration from Howard Marks’ latest memo, this blog post explores why trying to predict the future is often more harmful than helpful—and what smart investors should do instead.

Important changes coming to how we manage your investments. Jeremy and Paul answer your questions and break it down with no jargon, just honest answers. Click to watch the 10-minute Q&A.