Blog
FP&A guides for individuals, finance teams, and wealth managers.
What the Price Already Assumes: Building a Reverse DCF That Refuses to Guess
Instead of asking whether a company is good, a reverse DCF asks what today's price needs to be true. Building one taught me that the most valuable thing a model does is decline to answer.
September 2026AI & AgentsBuilding My First AI Agents: The S&P 500 and IBEX 35 Quality Screeners
How I built my first AI agents — two weekly quality screeners combining fundamental and technical filters with a Groq tool-use loop, running on GitHub Actions with no server. And why agents aren't just for engineers.
September 2026OpinionControl Is the Whole Game: What Real Madrid, Spain and Football Taught Me About Finance
From the 2017 Champions League final in Cardiff to Spain's last match against Belgium — why the unglamorous discipline of building systems, controls and the right reports is what actually makes a finance professional valuable.
July 2026Personal FinanceThe Smartest £25 You Can Spend on Your Child's Future: Junior SIPPs Explained
How opening a pension for your child at birth — with just £1,000 and £25/month — could hand them a quarter of a million pounds at retirement. The maths, the government top-up, and why time is the scarcest asset of all.
June 2026OpinionWhy an ECB Rate Hike on June 11 Would Be the Wrong Response to the Iran Oil Shock
Markets are pricing a 99% probability of a 25bp ECB hike to 2.25% on June 11. The inflation is real, but it's a structural supply shock from the Iran war — not demand. Monetary policy can't make oil cheaper, and Trichet's 2008 mistake is about to be repeated.
June 2026Corporate FinanceThe Most Important IFRS and IAS Standards Every Finance Professional Should Know
A plain-English guide to the IFRS and IAS standards that move real financial statements — IFRS 9, 15, 16, IAS 1, 36, 37 and the rest of the standards that matter in practice.
May 2026OpinionReal Assets, Balance Sheets and Where the Opportunities Are Hiding
If contrarian value is the only edge in a zero-ERP world, how do you find it? Read the balance sheet. The five places real assets hide at historical cost, the screens that surface them, and the sectors trading well below replacement value.
May 2026OpinionThe 10-Year, the Equity Risk Premium and a World Drowning in Debt
The US 10-year Treasury anchors every asset price on the planet. With developed-world debt at post-war highs and the equity risk premium near zero, the foundation of finance is moving.
May 2026OpinionValue vs Growth: A Century of Cycles, the Fed, Bitcoin and Gold
From 1920s value to the ZIRP growth decades, the 2022 pivot, factor investing, and why the next Fed meeting moves your portfolio more than you do.
April 2026Personal FinanceHow to Build a Personal Budget That Actually Works
Most people try to budget and give up within a month. A simple, honest framework for taking control of your money — income, expenses, savings rate, and what to do first.
March 2026Corporate FinanceThe 13-Week Cash Flow Forecast: Why Every Business Needs One
Profit and cash are not the same thing. A 13-week rolling cash forecast is the single most important tool for any business managing liquidity.
March 2026ValuationDCF Valuation Explained: How to Value a Business Using Discounted Cash Flow
The gold standard for business valuation — how to build a DCF model, choose a discount rate, and interpret the output correctly.
March 2026Small Business FinanceBreak-Even Analysis: The First Financial Calculation Every Business Owner Should Know
Fixed costs, variable costs, contribution margin, margin of safety — and why every pricing decision should start here.
March 2026Personal FinanceHow to Analyse Your Investment Portfolio: Return, Risk and Diversification
Most investors track returns. The best investors track risk-adjusted returns. Here's what to measure and why.
March 2026Corporate FinanceHow to Build a 5-Year Financial Model for Your Business
Investors and banks ask for 5-year projections. Here's how to build a three-statement model that actually holds up under scrutiny.
March 2026Corporate FinanceHow to Build an Annual Budget That Your Finance Team Will Actually Use
Most company budgets fail because they're set once and never revisited. Here's how to build one that drives real decisions.
March 2026Corporate FinanceWhy Financial Forecasting Is the Most Underused Tool in Business
Most businesses react to numbers. The best ones anticipate them. Here's why forecasting is the foundation of every sound business decision.
March 2026Startup FinanceBootstrapping & Runway: How to Extend Your Startup's Life Without Giving Up Equity
Every month of runway is a month of optionality. How founders can think rigorously about burn rate and capital efficiency.
March 2026Personal FinanceThe UK Pension Puzzle: Why Starting Early Could Mean £200,000 More in Retirement
How the UK tax system makes pension contributions one of the most efficient wealth-building tools available.
March 2026AnalysisPower BI vs Streamlit: Which One Is Right for Your Finance Team?
An honest comparison of two popular analytics tools — pros, cons, and when to use each.
March 2026OpinionWhy Do Finance Teams Spend Thousands on Dashboards Nobody Reads?
Most financial dashboards are beautiful, expensive, and completely ignored. Here's why visual tools fail finance teams — and what actually works.
April 2026TutorialPython Basics for Streamlit: What You Actually Need to Know
You don't need to be a Python expert to build Streamlit finance apps. These 10 concepts cover 90% of real-world Streamlit development.
April 2026GuideClaude.ai vs Claude Code vs Claude API: Which One Do You Need?
Claude comes in several forms — chat, desktop, Code, and API. A plain-English guide for finance professionals on which version to use and when.
April 2026