Brighton Capital Management

30/10/2026

Henry and Joanna have found their next family home. A little more space, a garden, the right school nearby.

The exciting part is finding the house. The real thinking starts with how to pay for it: a higher mortgage rate than last time, stamp duty to find, and working out where the deposit comes from without undoing years of careful saving.

In the latest chapter of the Life of Henry, a chance conversation with a colleague helps Henry sidestep a mistake that catches many people out. Sometimes the value is in the small detail everyone else misses.

Read the full Insight: https://www.brightoncapital.co.uk/insights/henry-and-joanna-need-a-bigger-house

The Life of Henry continues. A bigger house, a higher mortgage rate, and one small ISA detail that decides whether years of tax-free saving survive the move.

19/10/2026

A three-legged stool offers a useful way to think about investing: different supports each have a job to do.

But what happens when shares and bonds both struggle? Our latest Insight explores how gold and other real assets can provide another source of balance, while recognising that nothing works in every market.

Read Ewen Emmerson’s “When the Cushion Moves”:

When bonds and shares fall together, what steadies a portfolio? Explore portfolio diversification and the role of gold and other real assets.

01/10/2026

When Brian and Carol sold their business, they believed the big financial decisions were behind them. The business had sat outside their estate for inheritance tax, and their pensions were set aside to pass to their sons largely tax-free. It was a sensible, well-advised plan.

Then the rules changed. The relief ended when the business was sold, and from April 2027 pensions are due to count as part of the estate for inheritance tax. A family who had planned carefully suddenly found HMRC among the biggest beneficiaries of all.

In the latest chapter of the Life of Henry, we look at why more families than ever are being drawn into inheritance tax, and why anyone with pensions they assumed would pass on tax-free has good reason to take another look at their plan.

Read the full Insight: https://www.brightoncapital.co.uk/insights/hmrc-joins-the-family-tree

Brian and Carol's inheritance plan worked, until the rules changed. With pensions entering the estate from April 2027, why high-value families need a rethink.

02/09/2026

There is a question we hear often as people move from building their wealth to enjoying it: am I allowed? Our latest Insight looks at why so many people who have enough still hesitate to spend it, and how seeing the full picture clearly helps you decide for yourself.

Read it on our website: https://www.brightoncapital.co.uk/insights/the-permission-question

14/08/2026

Henry has just been promoted to Chief Actuary.

It is the role he has worked toward for over a decade. But the promotion he imagined as a straightforward celebration brought something he had not expected: a bigger job, more responsibility, and a set of financial decisions that no longer run on autopilot.

In the latest chapter of the Life of Henry, we look at what changes when a senior role and a higher income arrive, including the pension tapering that quietly catches many high earners just as they have the most to save.

Read the full Insight: https://www.brightoncapital.co.uk/insights/henry-makes-chief-actuary

15/07/2026

Brian and Carol have just sold the business they spent thirty years building. The first thing they wanted to know was not how to invest it, but something much simpler: "Have we got enough? Will we be alright?"

In the latest chapter of the Life of Henry, the family sits down together to talk it through. What "enough" really means. How spending changes as we get older. And what to do with the bit left over, which Brian and Carol have always called their "ice-cream money" - the little bit you keep back to treat the people you love.

We think these conversations are best had together, around a table, while everyone is well. Here is the full story.

Read the full Insight: https://www.brightoncapital.co.uk/insights/the-family-meeting

The family sits down together. Not because anything is wrong, but because something went right. On retirement spending, enough, and the joy of giving while you can.

14/07/2026

Why did gold fall this year even as world events grew more troubling?

In his latest Insight, Ewen Emmerson explains what has really been driving the gold price, and why understanding the "why" behind an asset matters more than reacting to the news.

Read more here: https://www.brightoncapital.co.uk/insights/research/gold-and-the-limits-of-the-fear-story

Geopolitical tensions rose, yet gold fell. Learn why real yields matter more than headlines and how gold fits within a diversified portfolio.

29/06/2026

Building wealth is one thing. Knowing how to use it well is another.

For many people approaching retirement, the big question is not simply “Have I saved enough?” It is:

“How do I turn my pensions, ISAs, savings and investments into a regular monthly income?”

Our latest BCM Insight looks at the shift from building wealth to drawing it down - what we often think of as “turning on the taps”.

The aim is simple: helping accumulated wealth become usable, sustainable income, so retirement feels clearer, calmer and better planned.

Read the full Insight here: https://www.brightoncapital.co.uk/insights/turning-wealth-into-income

If you are approaching retirement, recently retired, or unsure how to start drawing money from your savings and investments, please do get in touch. A Discovery meeting is complimentary, there is no obligation, and it may help you see the next phase more clearly.

Building wealth is only part of the journey. Retirement income planning helps you decide which financial taps to turn, in what order, and with greater confidence.

26/06/2026

After more than 30 years of building their business, Brian and Carol have finally sold it.

The money is in the bank.

So why are they worried?

In the latest chapter of The Life of Henry, we explore one of the most important questions in financial planning:

"Have we got enough?"

It is a story about retirement, family, freedom and why rushing into investment decisions is often the wrong place to start.

Read the full Insight here: https://www.brightoncapital.co.uk/insights/case-studies/henrys-parents-sold-the-business

Henry's parents sell the family business and suddenly face the question every business owner asks: "Have we got enough?" A story about retirement, freedom and financial planning after a business sale.

25/06/2026

The Concentration You Cannot See

Many investors believe their portfolios are well diversified because they hold a mix of shares, bonds and other assets.

But what if, beneath the surface, many of those holdings are increasingly linked to the same underlying theme?

In our latest Insight, Ewen looks at how the artificial intelligence build-out is now reaching far beyond technology shares - into corporate bonds, data centres, power infrastructure, logistics, copper and other areas of the economy.

This is not an argument against AI. The build-out is real, and it is already reshaping markets. The important question is whether investors understand how much exposure they may already have.

Read the full Insight here: https://www.brightoncapital.co.uk/insights/the-concentration-you-cannot-see

Why a well-diversified portfolio may be a far bigger bet on artificial intelligence than it appears. Diversification is often called the only free lunch in investing. Spread your money across enough different things, the idea goes, and the disappointments in one place are offset by gains in another....