Adrian Ash is head of research at BullionVault, the physical gold and silver exchange for private investors online. Formerly head of editorial at the UK's largest publisher of regulated financial advice, he has been writing daily on the gold market since 2003.
Alan Easter is Group CEO of Beaufort. The Group was formed in 2012 to create a truly professional services partnership that is aimed to address to need for continued, quality, advisory and risk management services. see www.thebeaufortgroup.co.uk of follow him on Twitter @notthatgrumpy
Alistair Hargreaves is an Executive Mortgage & Protection Consultant for renowned mortgage brokers, John Charcol. He writes regularly for the John Charcol website: www.charcol.co.uk on everything to do with mortgages, as well as writing a fortnightly column for Mindful Money on buy to let and property investment. His day to day experience as a broker keeps him up to date with all the latest developments in the mortgage industry.
Anna Bowes is one of the founders of Savings Champion a no-nonsense, simple to use website that helps everyone to pick the best savings account for them and then, if they sign up for Rate Tracker, ensures that they could always stay on the best savings rate. She is a regular contributor to the BBC's Money Box and other news programmes as well as the national press, providing expert analysis and commentary on the UK savings market. Anna shares this passion for great savings advice with her long-time colleagues and friends Sue Hannums and Chris Shaw with whom she developed the idea for Savings Champion.
Bruce is the co-founder and joint managing director of Abundance, a Fellow at the Finance Lab and Research Fellow at the Bauman Institute
Catherine Howarth is Chief Executive of ShareAction, the movement for Responsible Investment.
Freelance financial journalist
Cherry Reynard is a freelance financial journalist. She has worked for a range of national, consumer and trade titles including the Financial Times, Telegraph, Independent, Money Observer, Moneywise, What Investment, Citywire and Money Marketing. She has co-authored a book on investing in emerging markets and is five-time winner of the Investment Management Association’s freelance journalist of the year award and current holder of the AIC Freelance journalist of the year award. She began her career as a tax accountant for PriceWaterhouseCoopers, before moving to investment bank JP Morgan.
Chris Iggo joined AXA Investment Managers (AXA IM) in May 2005 and is the Chief Investment Officer and Head of Fixed Income Europe & Asia. Prior to joining AXA IM, Chris spent five years as Head of Strategy at Cazenove Fund Management. Between 1996 and 2000 Chris worked at Barclays Capital, first as Chief US Economist (in New York) and then as Chief European Economist. Before that, Chris spent seven years at Chase Manhattan Bank in London and New York as an Economist and Foreign Exchange Strategist. He joined AXA IM as a Senior Investment Strategist with responsibility for overseeing the macroeconomic analysis, currency research and input to the tactical asset allocation process in the UK. He was appointed CIO of Fixed Income in September 2008 and his role was expanded to include Head of Fixed Income Europe & Asia in 2014. Chris holds a BSc and MSc in Economics from the University of London.
Conrad Ford is Managing Director of Funding Options, an award-winning team of business finance experts who specialise in helping businesses get the loans they need. Conrad is a Chartered Management Accountant who served in the group strategy department of a leading global bank, before joining their fast-growing technology subsidiary where he served as COO during a period in which it won multiple awards. Conrad has a Masters from Cambridge University. You can find more information on his website http://www.fundingoptions.com/ or follow him on Twitter https://twitter.com/FinanceConrad
Dan Morris is a global market strategist responsible for delivering market analysis and insight to clients in Europe, the Middle East, and Africa. He is a frequent guest on CNBC, Bloomberg, and other TV channels and is widely quoted in the press. He holds an MBA from the Wharton School and a Masters in International Relations from Johns Hopkins' School of Advanced International Studies. He is also a CFA charterholder.
Chelsea Financial Services
Darius McDermott is MD of Chelsea Financial Services and Chairman of the Association of Independent Discount Brokers. Chelsea was founded in 1983 and was the first intermediary to discount initial charges on unit trusts and bonds, and later PEPs and ISAs. Darius has 17 years industry experience and his specialities are fund research and investor behaviour, as well as being able to make sense of financial markets for the man on the street. Follow him on Twitter @DariusMcDermott .
David Downie is Technical Manager at Standard Life, focusing on the intricacies of pension, tax and family wealth transfer planning. He started his financial services career as a financial adviser before joining Standard Life where he has spent the last 14 years in technical roles. He has a special interest in tax legislation change and what this means for consumers and advisers. He is also a frequent press commentator on financial planning issues and a regular blogger. David is married with two young sons. Away from the office his main passion is football and he is involved in coaching at grass roots level, running a junior football team. You can read more blogs by David Downie at www.moneyplusblog.co.uk
Lea and Sanderman
David Porter has been the Operations Manager for Lea and Sanderman for the past 12 years. Founded 25 years ago by Charles Lea and Patrick Sandeman – Lea and Sandeman has become one of the UK’s leading Independent Wine Merchants. From humble beginnings working out of Charles’s dining room in Battersea things quickly progressed and now there are almost 30 permanent members of staff, four shops in London and a brilliant website. Their approach to wine-buying and the selection they offer is to ensure the top to tail service that our customers love and trust, old fashioned values and service but with a very modern outlook and approach. Avoiding big brands and maintaining independence is the key for them in offering proper wines at a proper price that they really believe in. For more information visit http://www.leaandsandeman.co.uk/
BCS Asset Management
Edmund Shing is currently a Global Equity portfolio manager at BCS Asset Management, focusing on a combination of high-level investment themes and fundamental stock-picking. He has a book due to be published in Q1 next year by Harriman House, “The Idle Investor”, which provides investors with three simple, easy-to-implement strategies using low-cost ETFs to give a good combination of portfolio performance at a measured level of investment risk. Edmund has previously worked at Barclays Capital (as Head of European Equity Strategy), BNP Paribas (as a Prop Trader), Julius Baer, Schroders and Goldman Sachs over a 19-year career in financial markets based in Paris and London. He also holds a PhD in Artificial Intelligence from the University of Birmingham. You can follow him on Twitter https://twitter.com/TheIdleInvestor
Holly Mackay started working in the investment industry in 1998. She spent 5 years in Australia, before returning to the UK in 2003, working for Big Global Investment Firms with Increasingly Important-Sounding Titles. In 2008 she founded The Platforum, now one of the UK’s most respected research firms, covering investments and platforms for the industry. She sold the business to Centaur Media and left in 2014. Holly is now an independent blogger and commentator. Her aim is to help people without PhDs in finance understand the markets – without jargon, bias or pompous gobbledygook. She puts her money where her mouth is and holds 15 investment platform accounts to see what their service is like from the customer angle. She has 2 kids, a chocolate-eating cat and more red shoes than is financially sensible.
James Mahon is the Chief Executive and Chief Investment Officer of Church House. He was instrumental in the establishment of Church House Investment Management in 1999 and brings many years of experience to his role. He became a member of the London Stock Exchange in 1980 and has held a number of senior posts including being a partner in stockbrokers Galloway & Pearson, a director of Hoare Govett and Managing Director of Archdale Securities. Working with the Investment Committee he is responsible for the overall asset allocation strategy for all client portfolios.
Mail on Sunday
Jeff Prestridge is personal finance editor of the Mail on Sunday
Private Client Adviser
Jessica is a well established and respected Private Client Adviser based in Dubai. Having had a diverse career, she obtained a law degree and began work for a large legal practice based in London, Jessica then went on to spend 7 years working for the Financial Times. With a wealth of knowledge and experience behind her Jessica now believes she has finally found her passion in the world of finance and runs a successful financial advisory practice based in the UAE. www.financial-advice-dubai.com
OneSavings Bank plc and Kent Reliance
John Eastgate is sales & marketing director at OneSavings Bank plc and Kent Reliance. Since graduating from university with an electrical engineering degree, John has spent his entire career in the financial services industry and now has over 20 years’ experience with banks, building societies and related consultancy partners. Prior to joining OneSavings Bank, John was Sales & Marketing Director at Saffron Building Society and he previously held senior roles at Experian and Barclays.
Financial Times Guide to Pensions and Wealth in Retirement
John Greenwood is the author of the Financial Times Guide to Pensions and Wealth in Retirement, and writes on pensions for a number of national newspapers. He is editor of Corporate Adviser, the leading title for the pensions industry, and was formerly deputy personal finance editor of the Sunday Telegraph.
John Lappin, the editor of Mindful Money, has been a financial journalist for more than 15 years. He was a long standing editor of financial newspaper and website Money Marketing and was Headline Money journalist of the year 2009. He believes it is essential that trust is rebuilt between consumers and the financial services industry though most of the onus is on the industry to demonstrate this trust. Without this, consumers and investors will remain undersaved, underinvested and underinsured with huge implications for themselves, their families and for the country too.
Jonathan Davis Wealth Management
Jonathan Davis BA MBA FCII FPFS, Chartered Financial Planner, has the highest profile for an IFA / Wealth Manager in the public media in the UK. He is an Economist and managing director of Jonathan Davis Wealth Management, the firm which he founded in the early 2000s. From their London and Hertfordshire offices, they advise wealthy to very wealthy families across the UK and, indeed, on three continents. Find him at jonathandaviswm.com/ or on Twitter @J0nathanDavis "We advise based on what we would do, were we in your shoes, given what we know.”
Having trained as a barrister, Justin took up corporate finance, working in both Africa and Singapore. He then returned to the UK and helped in the developments towards Big Bang in 1986 in London which led to him helping to found Broker Services in 1986. Broker Services went on to become Barclays Stockbrokers, where Justin was Corporate Development Director. In early 2001, he co-founded Seven Investment Management, an investment management business that innovated the UK investment market with the introduction of the first Sterling Investment Wrap Account. Seven Investment Management now manages and administers around £4billion on behalf of professional financial wealth managers and intermediaries. Justin has a keen interest in developing the investment market to break down as many of the traditional barriers as possible for both private investors and smaller companies.
Kara Gammell is an awarding-winning personal finance journalist specialising in consumer affairs, banking, moneysaving and insurance. Kara started her media career at The Telegraph Media Group in 2006 after studying the NCTJ Magazine Journalism course at City College Brighton & Hove. During her seven years at the Telegraph, Kara wrote news, features and columns across all sections of the newspaper and online, including the Money section, the Business desk, Features and the Women’s online channel. In her role as a personal finance reporter on The Daily Telegraph and The Sunday Telegraph, Kara has won a number of prestigious awards including Personal Finance Journalist of the Year at the ABI Awards, Best Consumer Advice Award from the British Insurance Brokers’ Association and General Insurance Journalist of the Year at the Headlinemoney Awards. Kara left the Telegraph Media Group in the spring of 2013 and following a period of maternity leave, she became a full-time freelance writer
Karina has worked on the Marketing team at Abundance for two years. She writes regularly on for the Abundance blog on personal finance and investing.
Laura Parsons is a currency analyst with foreign currency provider TorFX studying the latest global economic developments and assessing their impact on the foreign exchange market.
Lee is CEO of City-based Investment Quorum, a very deliberately sized boutique financial and investment advisory wealth manager encompassing strong financial planning and discretionary investment management. A Chartered Wealth Manager, he was recently listed in the Spear’s Wealth Index as one of the UK’s top ten wealth managers. He is a passionate advocate of client focused wealth management and is a regular commentator within the press and on TV on financial matters. You can find more information about the wealth manager boutique at http://investmentquorum.com/ or on Twitter https://twitter.com/IQWealth. You can also follow him on his personal Twitter https://twitter.com/leerobertsonIQ.
Financial Inclusion Centre
Mick McAteer is a consumer advocate. He is Director of the Financial Inclusion Centre which campaigns for fair,inclusive, and efficient financial markets www.inclusioncentre.org.uk. The Centre is interested in two main groups of consumers: the 'underserved'- those who could be saving, insuring or providing for the future but aren't and the chronically financially excluded who are not commercially viable for mainstream financial services and need alternative, innovative financial solutions. He is also Chairman of the European Commission's Financial Services User Group (FSUG) and on the board of the Financial Conduct Authority. He was with Which?, Europe's largest consumer organisation for 13 years. Follow him on Twitter https://twitter.com/MickMcAteer
LEBC The Retirement Adviser
Nick Flynn is Divisional Director at LEBC The Retirement Adviser. Nick joined LEBC in 2008 to create The Retirement Adviser specialising in assisting Individuals and Schemes with retirement services. The Retirement Adviser has grown from strength to strength since 2008 and now advises thousands of individuals on their pension options. Nick is a keen supporter of fee based financial advice being made available to all. Nick has been advising on Retirement options for the last 18 years and takes huge pride in getting individuals the most appropriate retirement income solution to meet their short and long term financial objectives. For more information see www.lebc-group.com
J.P. Morgan Asset Management
Nick Gartside is International CIO of Global Fixed Income at J.P. Morgan Asset Management. He will be contributing to this blog along with other members of the J.P. Morgan fixed interest team.
Chase de Vere
Patrick Connolly is Head of Communications at Chase de Vere. He is qualified as a Certified Financial Planner through the Institute of Financial Planning and was the winner of the Unbiased.co.uk Investment IFA of the year award for 2013.
Peter Chadborn is an IFA, founder and principal of Plan Money. The firm which was founded in 2002, prides itself on its modern approach to financial planning and its ability to adapt to clients' changing financial planning requirements. The firm is based just outside Colchester, though it has clients around the country. Peter is an advocate of advising based upon a product's features and benefits and not simply on cost, though it remains an important consideration. Plan Money’s clients typically require an on-going relationship as opposed to a transactional service. He believes that people on many levels of income and different stages of life can benefit from receiving independent financial advice. Peter is a frequent commentator in the national and trade media and the firm has won several awards. You can follow him on Twitter https://twitter.com/PeteChadborn
Ricky Butler is Head of Performance at protection insurance intermediary LifeSearch. He has been advising on protection for over a decade and is responsible for all adviser coaching, training and development at LifeSearch as well as improving quality standards. Ricky is a keen runner competing in events across the country.
Select Property Group
Operating since 2004, Select Property Group has a well-earned reputation of delivering successful investments in both emerging markets and through the identification of niche opportunities in established markets. The Group’s success is underpinned by a clear vision to develop market-leading brands that align end user needs with investor returns. Key to this strategy is an unswerving commitment to understanding the end customer in every market it serves, delivering exceptional lifestyle experiences for residents and fully managed property investments to its investor clients in 117 countries. Unlike a typical property investment company which sources products to sell but remains detached from the development or management of the product, Select Property Group controls every aspect of the investment. From the initial identification of the opportunity, the perfect location is sourced, a building is designed and furnished to accommodate every aspect of the customer’s lifestyle, and a specialist management team is recruited in-house to deliver consistently high levels of service as well as operating efficiencies.
Shaun Richards is an independent economist who studied originally at the LSE. His speciality is monetary economics and he uses it to analyse current economic trends. He started his career in the City of London in 1985 and brings his trading experience in bond, currency and derivative markets to his analysis of current economic events. Follow him on twitter @notayesmansecon.
Simon Ward is Henderson's chief economist. He has worked as an economist in financial markets for over 20 years and believes that changes in monetary conditions are a key driver of both the economic cycle and movements in financial markets; accordingly, a forecasting approach emphasising monetary analysis has a better chance of success.
Jelf Employee Benefits
Steve Herbert is Head of Benefits Strategy at Jelf Employee Benefits. One of the best known commentators in his field, Steve has a strangely impressive knowledge of the entire UK employee benefits market and regularly delivers quality seminars and blog posts on the subject. Steve also acts as a judge in HR and Employee Benefits industry awards, article writer, presentation skills coach, and product innovator. Steve is a member of the DWP’s Auto-Enrolment Intermediaries Forum, and also regularly responds to Government Consultations that impact on all aspects of employee benefit provision. He is occasionally accused of making employee benefits interesting.
Stuart Dyer is the Chief Investment Officer at rplan.co.uk, an investment site which helps people do better at creating, managing and trading on their investment portfolios. He has several decades’ experience in financial services, including stints as chief executive of Cofunds, COO at Save & Prosper and MD of Friends Provident Unit Trust Managers. His belief is that investing doesn't have to be rocket science – though many make it seem that way. He aims to help investors make sense of financial events, and take better financial decisions as a result. Follow rplan on twitter at @rplanme.
A mysterious but somewhat harried house hunter, stressed by the strains of buying in the booming London housing market, (though lucky enough to have the wherewithal to buy) shares the story of their search for a roof and hopefully four walls with Mindful Money.
The Value Perspective
The Value Perspective is a blog written by a team of five UK based value investors; Ian Kelly, Nick Kirrage, Jamie Lowry, Andrew Lyddon and Kevin Murphy. Value investing is a proven, long-term investment strategy which exploits swings in stockmarket sentiment by selecting the companies that are valued at less than their true worth and waiting for a share price correction. They have adopted a unique and proven approach to value investing, and have consistently demonstrated market-leading performance on the Equities desk at Schroders. @Thevalueteam.
Guinness Asset Management
Tim Guinness founded Guinness Asset Management in 2003 and manages the £200m Guinness Global Energy Fund. “Many people think my views are controversial. That’s not how I see it – they may stand contrary to the prevailing market sentiment, but they are the product of detailed, independent research and they will not be swayed by the caprice of the markets.” This blog features contributions from Tim and the Global Energy Fund co-managers.
Tom Baigrie is the founder and CEO of the independent protection specialist adviser LifeSearch and is also Chairman of Baigrie Davies, a leading financial planning firm with an intense focus on high quality technical advice and ensuring that investment management fulfils the needs of clients’ life-plans. Tom and his businesses have won over 50 industry awards and commendations since 2004. Ricky Butler is Head of Performance at protection insurance intermediary LifeSearch. He has been advising on protection for over a decade and is responsible for all adviser coaching, training and development at LifeSearch as well as improving quality standards. Ricky is a keen runner competing in events across the country.
Tony Levene has been a financial writer since the mid 1970s. He has written for the Sunday Times, Mail on Sunday, Daily Express, Daily Star, The Sun and, for 12 years more recently, The Guardian. He has written a number of books on taxation and investment strategies including Investing for Dummies, the Which? Guide to Tax, Scams and how to avoid them, How to Win in the Insurance Jungle and The Shares Game.