Brighton Capital Management

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....

20/05/2026

Sunday evening. The baby is asleep. The laptop is open. The pension portal has loaded for the first time in years.

In the latest chapter of the Life of Henry, we explore the moment most high earners will recognise - opening up a pension that has been quietly running on autopilot, and realising it may not be pointing where you actually want it to go.

Sometimes the issue is not the pension. It is finding the time to think about it properly.

Read the full Insight: https://www.brightoncapital.co.uk/insights/henry-looks-properly-at-his-pension

Henry reviews his workplace pension and questions whether the default fund still fits his goals. A thoughtful look at pensions, planning and financial freedom.

05/05/2026

Joanna's maternity leave is coming to an end. She and Henry are working through the same conversation thousands of professional couples have each year. Should she return to work? Is it worth it after childcare? What happens to her pension if she steps away? And what happens to the household if anything happens to Henry's income?

In the latest chapter of the Life of Henry, we look at how the childcare decision is rarely just about childcare.

Read the full Insight: https://www.brightoncapital.co.uk/insights/the-childcare-question-for-henry

The Henry series continues. When one income supports a growing family, the childcare decision becomes a planning decision. Tax, pensions and protection considered.

23/04/2026

📊 New Investment Insight: The Age of Scarcity

What if inflation is not just about demand and interest rates, but something deeper?

Our latest Insight explores how global forces such as energy transition, artificial intelligence, and supply chain constraints are creating a world of structural scarcity.

Rather than a stable inflation environment, we may be entering a period of greater volatility, where prices are shaped by competition for limited resources.

In this first part, we look at:

The rebuild of the global energy system
The growing demand for key materials
The impact of AI and infrastructure expansion
What this means for investors

Read more here: https://www.brightoncapital.co.uk/insights/structural-inflation-age-of-scarcity

A new era of structural scarcity is driving inflation volatility. Explore how energy, AI, and global supply constraints are reshaping the investment landscape.