My work promotes a trend I see emerging, for retail investors (you and me) to research, buy and run our own investments online. Among many motives for the trend are lower cost, distrust of financial ‘experts’, the pleasure of autonomy, a sense of creativity, privacy, pride in relating responsibly to money.

For decades most of us had little choice but to trust a fund manager we’d never meet. Now the combined blessings of the internet, online stockbrokers, smartphones and index-tracker funds are propelling a shift of culture towards self-management. I judge self-management of money is healthy: it’s like looking after our own long-term medical health.

I see money as potential energy; similar to water in a reservoir, or amps in a battery. My desire is for clients to enjoy engaging with their own store of financial energy; happily not delegating it to an expensive, anonymous manager who – in case you don’t know – takes money off the table only when clients say they want it back.

I’m not in agreement with delegating to that kind of management. Investment isn’t wizardry. Yes, it needs some common sense; also willingness to learn, to think for ourselves, and to practise.

I have worked as an independent financial adviser (IFA) for 26 years so far. I’m directly authorised and regulated by the Financial Conduct Authority [number 503299]. My practice is based at a centre for social enterprise called The Melting Pot, in central Edinburgh. (view map)

I advocate people to self-manage their long-term financial health. Whether you be a novice warily seeking guidance, an eager learner ready to go further, or an experienced investor looking for something in particular; you’re welcome at dexterity. When you feel confident to sustain your project alone, I shall count that as success.