In this episode of Profits & Parenting, Jordan sits down with Keith Boyes, chartered financial planner and founder of Spentwell. Keith's path into financial planning started with a sports management degree and a start date that landed right in the middle of the 2008 to 2009 financial crisis.

Keith unpacks why cash feels safe but quietly costs money over time thanks to inflation, and why the industry often makes money feel more intimidating than it needs to be. He and Jordan get into what he learned advising expats in Hong Kong, why FCA regulation genuinely protects clients, and why leading with education builds trust faster than leading with products.

Key Takeaways:
- Holding cash long term feels safe but inflation quietly erodes its value
- A simple plan you actually follow beats a complicated one you don't
- Diversification is about more than "eggs in one basket," it shapes how a portfolio is built
- Pensions and ISAs each play a different role as tax wrappers
- Many people struggle to spend in retirement after decades spent saving
- AI is already cutting admin for financial advisers, freeing them to focus on client behaviour and real-life decisions

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Guest Links:
💷 Spentwell: www.spentwell.co.uk

📸 Instagram: www.instagram.com/spentwell1

Host Links:
📸 Instagram: https://www.instagram.com/thejordanrobb
💼 LinkedIn: https://www.linkedin.com/in/jordanrobb15
📧 Email: jordan@jordanrobb.com
🌐 Website: https://www.jordanrobb.com

Watch the Show:
▶️ YouTube: https://www.youtube.com/@ProfitsandParenting

About the Host and Guest:
Jordan Robb is an Edinburgh-based property investor, developer and business strategist, and founder of Multiple property businesses. Beyond the deals, Jordan is building a personal brand and advisory practice around property, business strategy, and balancing ambition with family life.

Profits & Parenting is where he brings that mission to life, hosting conversations with business owners who are scaling wealth without losing time with the people who matter most.

Keith Boyes is a chartered financial planner and founder of Spentwell, based in Edinburgh.