Noula Wealth Consultancy Limited

09/10/2026

I was at an investment conference last week at The London Stock Exchange, and one point from it has stuck with me.

As a nation, we talk far more about football than we do about investing.

Ask a fan about their club and you'll get the lot: the starting eleven, who's injured, who should have been subbed at half time, what the manager got wrong, and what the club should do in January. People hold strong, detailed views on a team they have no control over.

Now ask the same person which companies their pension is invested in. Most won’t have a clue.

When you stop to think about that, it’s odd, because your pension is the foundation of your financial future.

You don't need to become a stock market expert. But a little curiosity goes a long way:
• Look up the top ten holdings in your pension or ISA
• Ask yourself whether you recognise the names
• Think about whether you use their products, or understand what they do

If you can get as interested in where your money is as you are in your club's next fixture, you'll make better decisions, and you'll be more likely to stick with them over the long term.

Is it time to get a bit more invested in understanding your pension?

P.S. Which team do you support?

20/09/2026

Here's a stat that shocks many women.

According to the Department for Work and Pensions, women approaching retirement have pension pots roughly 35% smaller than men's. For every £100 a man has saved, a woman typically has around £65.

It's not usually about who earns more. It's career breaks, part-time working, lower average pay and the fact that pensions rarely come up in everyday conversation, even between partners who talk about everything else.

The good news is this gap isn't fixed. Early planning, consistent contributions and starting now rather than "someday" all make a real difference, and compounding does a lot of the heavy lifting if you give it enough time.

So, be honest. Do you know how your pension pot compares to your partner's?

14/09/2026

Most people think of investment risk as the scary bit. The bit where the stock market dips and your pot looks smaller than it did last month.

But there's another risk that gets far less attention, and it's the one I see far more often with cash-only savers.

It's the risk of doing nothing.

Leaving a large sum sitting in a savings account for years feels safe. No dramatic dips, no red numbers on a screen. But inflation doesn't pause just because your money isn't moving. Every year it sits still, its real spending power shrinks.

A stock market dip is visible and it recovers over time. Inflation erosion is invisible and it doesn't reverse.
That doesn't mean everyone should pile into stocks and shares. It means "safe" and "risk-free" aren't the same thing, and the right balance depends on your timeframe and what that money is actually for.

Are you a cash saver, a long-term investor, or a bit of both? What's driven that choice for you?

Investments may go down as well as up. Capital is at risk and you may not get back as much as you put in.

04/09/2026

The summer holidays have a habit of putting cracks in relationships under a spotlight. If the summer holidays had you quietly wondering about what life might be like outside of your current relationship, here are three financial assumptions about divorce that catch people out.

1: The house always gets split 50/50
Not necessarily. Courts consider needs first, especially where children are involved. The parent with primary care often keeps the family home, at least until the children are grown, with other assets balanced out elsewhere.

2: "I'll keep the house, they can keep the pension"
This sounds like a fair trade on paper. In reality, pensions are often the largest asset in a marriage, larger than the house in many cases, and giving one up without proper advice can leave you significantly worse off in retirement, even if it feels like the simpler option now.

3: If my name isn't on it, it's not mine
Assets built up during a marriage are generally considered shared, regardless of whose name is on the account or the deeds. Equally, being the higher earner doesn't automatically mean walking away with more.

None of this is straightforward, which is exactly why it's worth getting proper advice before agreeing to anything.

26/08/2026

Notting Hill Carnival hits London streets again this coming weekend. It’s a massive celebration of heritage, community and everything that's been passed down through generations. It’s got me thinking about what gets passed down in families beyond culture and traditions.

Money, and the values around it also get passed down from one generation to the next.

In many of the families and communities I work with, especially my Greek and Cypriot clients here in London, there's a strong tradition of supporting each other financially.

- Parents helping children onto the property ladder.
- Grandparents contributing to a child's future.
- Money pooled together for a family business or a wedding.

These are expressions of values that have been handed down for generations.

But traditions rarely translate neatly into UK tax rules, estate planning or pension structures. While financial support might feel natural within your family, this can sometimes create unexpected complications if it isn't planned properly, particularly around inheritance tax or gifting allowances.

That's where good advice matters to help you make the right decisions financially as well as emotionally.

What financial values did you inherit from your family, and are you passing them on the way you'd like to?

17/08/2026

School’s out for summer and it’s a time when people often have the opportunity to take a breath and reflect a bit on what’s happened in the year.

Perhaps you had some financial plans for 2026, which is great, but have you checked in with those plans to see if you’re making progress?

If not, now could be a great time to ask yourself a few questions:

Savings & spending
• Am I still sticking to the budget I set in January, or has it quietly slipped?
• Have I built up (or maintained) an emergency fund of 3-6 months' expenses?
• Are there subscriptions or direct debits I've forgotten to cancel?

Tax efficiency
• Have I used any of this year's ISA allowance yet, or am I leaving it to the last minute again?
• Am I on track to use my full pension annual allowance, or is there room to contribute more before the tax year ends?
• Have I checked whether I'm still eligible for allowances I used last year (marriage allowance, dividend allowance, etc.)?

Protection & risk
• If my income stopped tomorrow, would my current cover (life, income protection, critical illness) actually be enough?
• Has anything changed this year, a new job, a mortgage increase, a new dependant, that means my cover needs updating?

Investments
• Has my attitude to risk changed at all this year, and does my portfolio still reflect that?
• Am I still comfortable with how diversified my investments are?
• Have I checked in on performance, or have I been avoiding looking?

Big picture
• Is there a decision I've been putting off because it feels overwhelming (consolidating pensions, writing a will, having "the money conversation" with a partner)?
• If I look ahead to December, what would I want to have sorted by then?

Taking a proper look at where things are currently means you can get to the end of the year in a much better place rather than looking back, finding things that were missed and making yet another New Year’s Resolution that never delivers.

How often do you review your finances during the year?

27/07/2026

A close friend calls you. She's 52, recently separated, and absolutely terrified about money.

What would you tell her?

I know what I'd say, because I've had this conversation many times, both personally and professionally.

Start by finding out what you actually have. Not what you think you have, or what you've been told you have. Get the statements, find the pension letters, know your numbers.

Understand that a divorce settlement is not just about today. It's about the next 30 or 40 years. A lump sum might feel generous right now but leave you vulnerable later. Pension assets might feel abstract but could be the most important thing you walk away with.

The most important piece of advice I can give you is to get your own adviser. Someone who is working for you, understands your situation, and has no interest in a quick resolution at your expense.

The women I work with who come out of later life divorce in the strongest position are usually the ones who asked the right questions to fully understand the process and their options.

Have you been through a later life divorce?
What's the one thing you'd pass on to someone going through it now?

21/07/2026

09/07/2026

The Wimbledon Ladies' Final is one of my favourite days of the sporting calendar.

Two women. Centre Court. The biggest stage in tennis. Millions watching.

Whatever happens on Saturday, both players will have spent years building toward that moment. Early mornings, setbacks, self-doubt, and the discipline to keep going anyway.

That's not so different from what I see in the women I work with every day.

Women who have come through divorce or bereavement and are rebuilding their financial lives from scratch.
Women who have spent years putting everyone else first and are finally turning their attention to their own future.
Women who had no idea where to start but started anyway.

Around 1 in 5 women in the UK have no private pension at all. And women who divorce or are widowed later in life often find themselves managing finances alone for the first time, with less time to recover the gap.

The players on Centre Court didn't get there by hoping it would work out. They had a plan, a coach, and the courage to keep showing up.
That plan might mean consolidating your pension pots, reviewing what you actually have, or simply having a first honest conversation about where you stand. None of it is as complicated as it looks from the outside.

You don't need to be a Wimbledon finalist to apply the same thinking to your finances. You just need to decide that your financial future is worth showing up for.

Are you ready to pick up your racket?

01/07/2026

I work predominantly with women clients.

Why?

Because many women feel more comfortable sharing their intimate financial information with another woman. They feel less likely to be judged if they haven’t yet saved enough or they don’t fully understand pension or inheritance tax planning.

Older women are particularly vulnerable because often finances were managed by their partner. If the relationship breaks down in later life or their partner dies, it can be a huge shock to suddenly have to be in charge of their money.

Talking about their options over a cup of tea or coffee helps enormously. The fact-finding part of my job is one of the areas I enjoy most. It’s all about getting to know the client, helping them see that things aren’t as complicated as they thought and giving them confidence to handle their future finances.

Women can relax with a female advisor.

That’s my experience any way.

If you’re a woman, when did you last talk to a professional about your money?