Thirty minutes with someone who has spent a career in the markets.
Gilts are straightforward in principle but surprisingly nuanced in practice. The right gilt for a 40% taxpayer with a 7-year horizon looks very different from the right gilt for someone approaching retirement. Small differences in selection can mean thousands of pounds in tax savings.
In a personal consultation, you get focused, experienced guidance — not a generic algorithm. We look at your specific situation: your tax band, your investment horizon, your existing portfolio, and your income needs. Then we work through which gilts make sense for you and why.
Sessions are conducted by video call. No jargon. No pressure. Just clear, practical thinking from someone who has traded bonds professionally across four continents.
Zoom or Microsoft Teams · Invoice issued on booking
I spent over 35 years working in investment banking across a major UK clearing bank, a leading Swiss house, a prominent US investment bank, a historic London merchant bank, and a major UK retail bank — across London, Tokyo, Hong Kong and Singapore. My career was built on structured products, fixed income, and derivatives: designing solutions for some of the world's largest banks, insurance companies, pension funds and institutional investors.
I have structured and traded bonds — including UK gilts — at a level most retail investors never encounter. I understand not just how they work, but how to use them intelligently depending on your tax position, investment horizon, and income needs.
Since leaving the City, I noticed something striking: the tax advantages available on low-coupon gilts — long used by sophisticated investors — are almost entirely unknown to UK retail investors. I built The Gilt Book to change that. I hold the Diploma in Regulated Financial Planning (DipPFS), the benchmark professional qualification for UK financial planners.
In thirty minutes, I can give you a clearer view of your gilt options than most people get from months of reading.
Before we speak — a short questionnaire
When you enquire, I'll send you a simple five-question form covering your tax band, approximate investment size, investment horizon, and existing portfolio. This lets me come prepared — no time wasted on basics during the call.
The consultation — focused & practical
We meet by video call (Zoom or Teams — your choice). I walk you through the gilts that make most sense for your specific situation, explain the tax mechanics in plain English, and answer your questions directly. No sales pitch. No products to sell. Just honest, experienced thinking.
After the call — a written summary
Within 24 hours I'll email you a concise summary: the specific gilts we discussed, the rationale for each, the after-tax returns at your tax band, and the steps to purchase. Something you can refer back to and act on at your own pace.
No obligation to act
The consultation is entirely educational. I will not handle your money, place orders, or push you toward any particular broker. You leave with better information and a clearer plan — what you do with it is entirely up to you.