Money Espresso - no-froth conversations exploring money and life

In this episode I chat to Tim Hale, Founder and Managing Director of Albion Strategic Consulting to learn why an active fund manager came to see a better way to invest.

Tim started life in Corporate Banking in Hong Kong where he witnessed the drive and urgency money can bring. After achieving an MBA from Cranfield School of management Tim moved into the investment world working for Chase Asset Management, now part of JP Morgan. It was during this time that Tim noticed the randomness of investment outcomes and saw the real prize was the capture of investment market returns, not beating the market.

This, and Tim’s realisation that he had little desire for more material possessions caused him to leave investment management. He set up Albion to use his experience and knowledge to help investors make better decisions and get better outcomes.

We discuss damaging money behaviours, Jack Bogle, the zero sum game and the belief that paying more must lead to better investment outcomes. Tim shares his personal money habits, his spending choices and he calls out the psychology deployed by supermarkets to influence our buying decisions.

At the end of our conversation Tim shares his guilty money secret and his Money Pearl of Wisdom.

Albion Consulting is Paradigm Norton’s external investment consultants.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Tim can be found on Linked - https://www.linkedin.com/in/tim-hale-4b67ba24/

Find out more about Albion Strategic Consulting - https://www.albionstrategic.com/

Learn more about Tim’s book ‘Smarter Investing; Simpler Decisions for Better Results - https://www.amazon.co.uk/Smarter-Investing-Simpler-Decisions-Financial/dp/0273785370

If you would like to talk about your money matters do feel free to contact me on Twitter - https://twitter.com/ruthsturkey

In this episode I chat to Michelle Cracknell, CBE. After studying Civil Engineering at Imperial College Michelle pursued a career in finance training as an actuary before becoming a Director at a number of financial advice firms, providers and an insurance company. She was CEO of The Pensions Advisory Service from 2013 to 2018 and was awarded a CBE by the Queen in June 2019 for her services to the pensions industry. Michelle now holds several NEDs and is working on a Start Up.

We talk about the good money habits Michelle learned from her father, and the privilege and sense of achievement that comes from building and re-engineering people’s money, career and business lives. We discuss why pensions have a poor reputation and Michelle generously shares the struggles she has faced in her career and the pride and joy of being awarded a CBE.

At the end of our conversation Michelle shares her guilty money secret and her Money Pearl of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Michelle can be found on Linked here - https://www.linkedin.com/in/michelle-cracknell-33a11a5/

If you would like to talk about your money matters do feel free to contact me on Twitter twitter.com/ruthsturkey

In this episode I chat to Barry Horner. Barry is Co Founder and CEO at Paradigm Norton. He is a thought leader within the financial planning profession and is a regular speaker at financial planning conferences and events both in the UK and overseas.

Why am I chatting to one of my colleagues at Paradigm Norton? Well, if I am expecting our guests to share their money stories and wisdom, it’s only right that we ask the CEO of our sponsor too!

We talk about the money taboo that existed in Barry’s family growing up and how Barry has sought to overcome this with his 3 (now adult) boys. We talk about money as an energy, roles in a marriage, charitable giving , experiences vs stuff, people who have influenced Barry along the way and legacy.

At the end of our conversation Barry shares a piece of money wisdom around living life intentionally.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Barry can be found at Paradigm Norton https://www.paradigmnorton.co.uk/meet-the-team/barry-horner

If you would like to talk about your money matters do feel free to contact me on Twitter https://twitter.com/ruthsturkey