TRAP: The Real Adviser Podcast 84 - Mr Marmite!
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Nov 20, 2025 Paul Armson, known as 'Mr. Marmite' and founder of Inspiring Advisors, dives into the nuances of lifestyle financial planning. He criticizes superficial financial strategies and emphasizes the importance of year-on-year cash flow modeling. Armson introduces his innovative 'bucket' framework for managing assets and discusses the challenges of defining a 'financial planner' in today's landscape. Plus, he shares a special TRAPist discount for his courses and insights from his book 'Enough' aimed at enhancing client engagement.
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Model Tax Changes Before Acting
- Use tax‑policy tools like Dan Neidle's budget calculator to model client marginal tax impacts before acting.
- Advise clients to avoid crystallising or restructuring until proposals are confirmed after the budget.
Reconsider Investment Bonds For Tax Flexibility
- Consider offshore or onshore investment bonds when pensions and CGT changes reduce traditional wrapper effectiveness.
- Use Lombard lending against bonds for short‑term liquidity to avoid forced disposals.
Behavioural Drag Creates Value For Advisors
- Average investors underperform markets by ~15% due to behavioural mistakes, per Morningstar.
- Keeping clients invested and disciplined alone can justify an advisor's fee.
