The Quantum Life Journal
Our latest thinking on wealth, retirement, tax, inheritance and the financial decisions that shape the life you want to lead.
Practical advice, perspectives and ideas for founders, families and anyone looking to make more of their wealth.
Financial Life Planning · Tax Planning
UK retirees give an average of £4,522 a year to their families. The difficult part is knowing how much you can safely give away.
September 2026
More than twice what they spend on food. Why the right amount to gift is the amount you have left after working out what you need to keep.
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Financial Life Planning · Tax Planning
Tax-free pension cash taken leapt from £8bn to £18bn on rumour alone. The reforms never came; the cash is gone for good.
September 2026
Taking tax-free cash is a one-way door. A better way to make your pension robust has nothing to do with press rumours.
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Financial Life Planning · Investing · Tax Planning
Tax relief can soften risk, but it cannot turn a bad investment into a good one.
September 2026
Never make an investment just for the tax break. Three questions to ask before you do — and the simpler answers worth checking first.
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Financial Life Planning
Being able to pay school fees and being able to afford school fees can be two very different things.
September 2026
One child, full boarding, £70,000 a year before the ski trip. What to work out before you sign the next direct debit.
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Financial Life Planning · Tax Planning
Tax matters. But I'd be very wary of letting the tax tail wag the life dog.
September 2026
Chris Rokos is moving his tax residence from the UK to Greece. Before you start browsing villas in Mykonos, three things worth thinking through.
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Financial Life Planning · Behaviour & Money · Family Office
A good financial plan should help you enjoy what your wealth makes possible.
September 2026
A summer in San Sebastián, a revolving door of family and a reminder that sometimes the financially sensible advice is to spend the money.
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Financial Life Planning
Building wealth. Protecting wealth. Using wealth well.
August 2026
A metaphor for the three tasks of a wealth journey — and why the Quantum Compass decides what they are for.
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