Philip Evans & Assoc Financial Services

10/09/2026

What a privilege this morning.

I had the opportunity to share my business model, experiences and insights with BNI Elli, Llanelli and what an incredible group of business people they are.

For more than 18 years, BNI Elli has been making a real difference across Llanelli and the wider business community. They don’t just network, they create relationships, generate opportunities, support local businesses and contribute millions of pounds worth of value to the local economy and further afield.

That’s the thing I love about great networking groups: it’s not simply about passing business referrals. It’s about people supporting people, sharing knowledge, opening doors and helping each other succeed.

A huge thank you to everyone at BNI Elli for the warm welcome and for giving me the opportunity again, to share my story and insights.

It was a pleasure to be in the room with such a fantastic group of business owners and professionals.

When businesses work together, everyone benefits.

10/09/2026

Why is autumn such an important time for your finances?

As we head towards the end of the year, autumn is a good opportunity to pause and review where you are financially, and where you want to be heading next.

1: Businesses begin planning and budgeting for the year ahead
2: The Autumn Budget can bring changes that affect tax, pensions and savings
3: Investors review their portfolios and long-term plans
4: Changes in interest rate expectations can influence borrowing and savings
5: It’s a sensible time to check that your financial plans are still aligned with your goals

A little time spent reviewing things now can help you go into the new year feeling more organised and prepared.

Is autumn a good time for you to review your financial plans? We believe it is, and we can certainly help.

24/08/2026

Your Circle Shapes Your Future

A very good friend and mentor shared this powerful insight with me many years ago, and it has stayed with me ever since:

“Your circle shapes your future.”

Take a moment to look at the people you spend the most time with. Who are they? What do they talk about? What do they believe is possible? What standards do they live by?

Our environment influences us more than we often realize. We naturally absorb the habits, attitudes, perspectives, and expectations of the people around us. Over time, their influence can either stretch us toward growth or quietly hold us back.

That’s why your circle matters.

Surround yourself with people who:
Inspire you to become better
Celebrate your growth rather than compete with it
Encourage you when life gets difficult
Challenge you to think bigger
Live with integrity and purpose
Believe in possibilities, even when you temporarily lose sight of them

And remember, this isn’t about judging people or thinking you are “better” than anyone else. It’s about being intentional about the voices you allow to shape your mindset and your future.

The right people won’t simply make you feel comfortable, they may challenge you, stretch you, encourage you, and sometimes tell you what you need to hear rather than what you want to hear.

Choose your circle wisely. Be grateful for the people who have helped you grow. And just as importantly, become the kind of person who helps others grow too.

Your future is being shaped by many things, but the people you walk alongside can have an extraordinary influence on the direction you take.

Choose people who inspire growth. Build relationships that add value. Lift others as you rise.

Because sometimes, changing your future begins with changing who you choose to walk with.

19/08/2026

“I thought my pension was safe…”

One of the most common things we hear is: “I’m getting closer to retirement, so I should probably move my pension somewhere safer.”

It sounds sensible, doesn’t it?

After all, if you’re going to need the money soon, why would you want it exposed to the ups and downs of the stock market?

But here’s the uncomfortable bit, “Safer” doesn’t necessarily mean safer.

Imagine you’re 60. You’ve built up a £400,000 pension pot over many years.

You decide to move most of it into cash because you don’t want to see it fall.

You might feel much more comfortable watching the value barely move.

But then inflation keeps quietly eating away at your purchasing power.

And if you’re planning for your retirement to last 25 or 30 years, there’s another risk: your money may need to keep growing.

That’s the bit people sometimes overlook.

Investment risk isn’t simply about “Can my pension fall?”

It’s also about:

1. Could my money lose value because of inflation?
2. Could I run out of money later in retirement?
3. Am I taking too much risk, or not enough?
4. How should my investments change once I start drawing an income?
5. What happens if markets fall just after I retire?

So perhaps the better question isn’t: “How do I make my pension safe?”

It’s: “How do I make my pension sustainable?”

Because retirement isn’t a one-day event.

Your pension may have to work for you for decades.

And getting the balance between growth, income, risk and security right can make a huge difference.

What do you think is the biggest pension myth people believe?

We would be genuinely interested to hear your thoughts.

This post is for general information only and isn’t personal financial advice. Your investment strategy should reflect your individual circumstances, objectives and attitude to risk.

12/08/2026

We’re excited to share that it’s arrived!

After more than 40 years of working alongside business owners from every walk of life, sharing the lessons, challenges, opportunities and experiences that come with building successful businesses, we’re incredibly proud to finally see those insights brought together in one place.

The 17 Rules Every Successful Business Owner Should Learn is now here, and we couldn’t be prouder of the content.

Even more exciting is the feedback we’ve already received. It has been absolutely amazing.

This isn’t a book built on theory. It’s based on decades of real-world experience, practical lessons and the principles we’ve seen make a genuine difference to business owners and their businesses.

Whether you’re starting out, running an established company, or looking to take your business to the next level, we hope these 17 rules give you fresh ideas, challenge your thinking and help you make better business decisions. We want to see you win.

What started as a question we heard countless times, “When are you going to put all of this into a book?” has finally become a reality.

It’s here. And we’re incredibly proud of it.

Thank you to everyone who has encouraged us, supported us and shared in the journey so far. And to everyone who has already read it and taken the time to share their feedback, thank you. It genuinely means a lot.

We can’t wait to share more with you.

The 17 Rules. 40+ years of experience. One book.



BNI Elli, Llanelli Matthew Jeavons

12/08/2026

03/08/2026

One of the greatest lessons a mentor ever taught me was this:

“Don’t curse the struggle. Respect it.”

At the time, I didn’t fully understand what they meant. I wanted quick results, smooth paths, and instant success. But life has a way of teaching what words alone cannot.

My mentor explained that every challenge, disappointment, and setback was preparing me for responsibilities I wasn’t ready to carry yet. Strength isn’t built when life is easy, it’s built when you choose to keep going despite the obstacles.

Looking back, I can see they were right.

The difficult seasons taught me patience.
The failures taught me resilience.
The setbacks taught me perseverance.
And the victories became far more meaningful because of the journey.

If you’re walking through a tough season today, remember this: you may not see the purpose yet, but growth is happening beneath the surface.

The person you’re becoming will one day look back and be grateful you didn’t quit.

What’s one lesson a mentor, or life itself, has taught you that changed the way you see challenges? Share it in the comments. Your story might encourage someone who needs it today.

17/07/2026

I know change is constant, and let’s be honest, we’ve all become ridiculously dependent on things that would’ve blown our grandparents’ minds.

So here’s today’s important debate…

What’s ONE invention you couldn’t live without?

And before anyone says “oxygen,” that’s not an invention. 😂

Mine? I’d probably have a full-blown meltdown without Wi-Fi… although my coffee machine is making a very strong case too. ☕

Your turn! What’s the one invention you’d refuse to give up?

16/07/2026

Provoking or what. The biggest opportunities are hidden inside the biggest problems.

One lesson stands out in business: the more meaningful the problem we solve, the greater the impact we can make.

Today, millions of people are searching for real solutions to improve their health, lose weight, boost their energy, and regain their confidence. Too many face long wait times, rising healthcare costs, or systems that leave them feeling like just another number.

That’s not just a challenge, it’s an opportunity to make a genuine difference.

The most successful businesses aren’t built by chasing trends. They’re built by serving people, creating value, and solving problems that truly matter.

When we help someone improve their health, we’re not just changing a number on a scale. We’re helping them feel stronger, more confident, and more in control of their future.

Success follows those who focus on making an impact before making an income.

Ask yourself today:
What problem can I solve that will genuinely improve someone else’s life?

Because when our mission is to help people win, everyone benefits.

We’d love to hear your thoughts. What’s one problem you believe needs a better solution? Share it in the comments!

14/07/2026

Something Big Is Coming…

For more than 40 years, we’ve had the privilege of working alongside business owners from every walk of life, helping them overcome challenges, seize opportunities, and build stronger, more successful businesses.

Over those decades, one question kept coming up:
“When are you going to put all of this into a book?”

After countless conversations, encouragement, and demand from the people we’ve worked with, we’re delighted to say, it’s finally happening.

The 17 Rules Every Successful Business Owner Should Learn is a practical guide packed with the timeless lessons, proven principles, and real world insights we’ve seen make the biggest difference in business success.

This isn’t another book full of theory. It’s built on decades of experience, practical application, and lessons learned from working with business owners who wanted to grow, improve, and succeed.

Whether you’re starting your first business, leading an established company, or looking to take your business to the next level, these 17 rules will help you think differently, lead more effectively, and make better business decisions.

Coming Soon!

We’ll be sharing more details, sneak peeks, and the official publication date over the coming weeks.

If you’d like to be among the first to know when it’s available, follow our page, like this post, and tell us in the comments: What’s the most valuable business lesson you’ve ever learned?