What Is Financial Health? A Guide To Boosting Your Financial Fitness

What Is Financial Health? A Guide To Boosting Your Financial Fitness

Author Aventur • 19th May 22

Have you ever heard finance moguls use the term ‘financial health’ and wondered what on earth they were on about? I mean, it’s not like your debit card is heading out to the gym to get fit anytime soon, right?

Maybe not. But financial health is still an essential part of our overall wellbeing. In fact, studies show that financial health is actually directly related to your mental health. At Aventur, we’d argue that financial health should be considered equally as important as both mental and physical health. 

What Is Financial Health?

Financial health is the current state of all of your finances combined. This includes credit, debt, savings, investments, assets and income. It can mean different things to different people but, crucially, healthy finances are those that are stable. However it is perceived, there are the four main components of financial health: 

  • Spending – the money you’re spending on a regular basis, as well as your ad-hoc spending.
  • Saving – the money you have saved in savings accounts or your piggy bank. 
  • Borrowing – the money you’ve borrowed (e.g. through a credit card, loan or lease). 
  • Planning – the money you’ve planned to save, spend or borrow, and the financial goals you plan to achieve in the future.

Why Is Financial Health Important? 

It is simple, really. Better financial health can and will improve your quality of life. Being financially stable means you have the ability to reach your goals – even if they are not directly related to money. If your financial health slips, you may be at risk of going into debt, losing your assets and/or not saving enough for your future. The sheer potential of these things happening leads to what we call “financial stress”, which can be extremely detrimental to both your mental and physical health.

How Can I Improve My Financial Health?

The most important thing you can do to improve your financial health is to educate yourself. A good understanding of how finances work will enable you to plan for your financial goals – things such as holidays, a new home, or your retirement. You will also have an understanding of the difference between good and bad debt, so you can avoid falling into a debt spiral. You will know when to spend, when to save and when to invest. You’ll be able to pull together a realistic budget for yourself and will be able to manage your spending, saving, borrowing and planning relatively independently.

How Can Aventur Help Me Improve My Financial Health?

At Aventur, we believe that everyone can improve their wealth and take control of their financial well-being.  Our unique approach to money embraces some of the most advanced financial technology available to reduce risk and cost, and improve efficiency, whilst still providing that all-important human touch. 

Our wonderful team are committed to making financial education a priority, reducing financial anxiety and helping people to feel more in control of their money.

If you’d like to talk to the Aventur team about improving your financial health, get in touch.

Meet The Founder: Who Is Stacey Body?

Meet The Founder: Who Is Stacey Body?

Author Aventur • 13th May 22

Ever wondered what led our founders to dream up the magic that is Aventur? Well, sometimes we wonder that, too.

To get to the bottom of it, we asked a few questions to our Co-Founder and Director, Stacey Body, so we can all get to know him a bit better…

1. What Was Life Like For You Growing Up?

I was born in Hemel Hempstead, in a traditional middle-income family with a 3-bed house and 2 cars on the drive. I lived there until I left comprehensive school at the age of 17. My parents both suffered from health-related issues, which resulted in us having major financial struggles as a family. I think that’s what made me so passionate about helping people to become financially independent.

2. Tell Us About Your Career History – How Did You Get To Where You Are Now? 

I was a financial advisor, so I was in a position to help people like my dad to have the right knowledge and support with their money. I’ve always prided myself on doing the right thing, it is incredibly important to me that I care for my clients to ensure they are set for life.

Over the past 20 years, I’ve run several financial services businesses, of all shapes and sizes. Soon after qualifying with my degree, I worked with Ivan Massow, who was an inspirational entrepreneur.  At the age of 26 I was a Group Managing Director, leading a multi million-pound business. When this business was sold, I set up my own IFA business which I sold in 2021 to set up Aventur.

3. What About Your Family Life?

I have been married to my Taiwanese husband for 9 years. We don’t have any children – I suppose Aventur is kind of my baby!

I met my husband and immediately knew that he was the person who I had to spend the rest of my life with. We were married just 6 months after I flew to Asia to propose to him.

 How Did You Meet Aventur’s Other Founder, Tom?

Tom and I met when we were introduced by a mutual friend. They wanted me to prevent Tom from making the same mistake I had made in the past (more about that another time!)

4. Why Did You Start Aventur?

Having worked in financial services for 20 years I knew how bad some clients can be treated. Tom and I simply wanted to give clients back control over their own money.  Instead of keeping knowledge from our clients, we want to educate and empower them – something that is unheard of in this industry.

5. What Have Been Your Highlights Of The Aventur Journey So Far?

Where do I begin? There have been so many already! Hitting the £150 million FUM and being selected as finalists for Fintech StartUp Of The Year. We also have a huge number of clients and investors who believe in our mission to change financial services forever, which gives me such a buzz!

6. Where Do You See Aventur In 5 Years?

We anticipate launching our financial management platform across 3 continents in the next 5 years.

7. What About 10 Years?

To be a globally recognised name within the next 10 years is definitely the goal!

 What Would Be Your Dream For Aventur In The Future?

I want Aventur to be the go-to for anyone who wants to have control over their own finances. I want us to help people save money, become financially educated and ensure a better future for them and their loved ones.

Dreaming of becoming a part of the Aventur team? Whether you’re looking for help managing your money or gaining control of your finances, or you’re a financial advisor looking for a front-row seat to the future of financial services, get in touch today.

Has The Inflation Dragon Broken Free Again? – Our Q2 Update

Has The Inflation Dragon Broken Free Again? - Our Q2 Update

Author Timothy Dingemans • 12th May 22

In my last piece, I pointed out that the investment outlook is profoundly changing. I had expected this to lead to a tougher period for asset prices as part of normalising financial conditions that required Central Banks to raise rates. I did not expect that Central Bankers would be rushing to prove that they were the toughest in the group. Official predictions of rate hikes to come moved dramatically from earlier official forecasts. In short, the World Bank meeting in April turned into a Central Banker “Ironman” competition, with each Banker determined to show how ready they were to react to inflation and raise rates.

What does this new era mean? The cost-of-living crisis is of huge political importance in the UK and globally rising as a dominant issue. Firstly, inflation is seen as Tolkien’s Smaug. We have had a period where it has been below official targets (around 2% for many Central Banks). As has been recently demonstrated, it can ratchet up very fast to dangerous levels (approximately 10% in several developed market economies). The danger is that once inflation reaches these levels, it then drives up wage demands, and we get a spiralling effect. Here, the initial causes of inflation, excess demand versus supply, are taken over by higher wage demands, driving up manufacturing costs, which further drives inflation, leading to even higher wage demands. Precisely this effect exaggerated the horrors of the 1970s inflation and, at times, stagflation in the UK. You had high inflation coupled with low growth – the most toxic mix for financial assets.

To slow the demand, Central Bankers are raising rates to lower demand. They were already artificially too low to act as a stimulant against the financial crisis in 2007-2008 and COVID. However, the problem is that as the demand falls, it fast leads to reduced company profits, leading to an economic slowdown and even recession.

Central Bankers are aware of this risk, and indeed the US central bank released the following statement, in its latest semi-annual Financial Stability Report, on Monday. “Further adverse surprises in inflation and interest rates, particularly if accompanied by a decline in economic activity, could negatively affect the financial system.”

If you look at the chart below, there is indeed a correlation between inflation going up (blue line), interest rates going up (red line) and recessions (shaded grey area).

The chart shows US Inflation and FED Funds, with the grey area being recessions

Source:- St Louis Fed, Aventur

So here is the crux of the problem faced by investors. Central bankers need to ensure inflation is kept under control. As a result, they need to raise rates with the risks mentioned above to growth and general standard of living costs. Currently, there are additional complications for Central Bankers. Firstly, the War in Ukraine is driving up fuel and food prices. Secondly, Governments have little room to expand their balance sheets (borrow) to support their economies, as they are already bloated due to quantitative easing. They have a very narrow path between doing too little and seeing inflation spiral or doing too much and seeing the economy and personal living standards crumble.

This is a terrible time for most financial assets. Bonds suffer from increasing yields as this lowers prices. Equities fall as lower growth reduces returns/prices. Property, especially residential, which has seen steep gains (driven by cheap borrowings), tends to see reduced returns as higher mortgage rates reduce demand. It is also a bad time for holding cash as inflation erodes cash’s value. Additional bonds, equities and residential properties are by many measures still historically expensive and certainly are not cheap or value offerings.

Is there any hope? Is there a large dart to slay the dragon that does not take us all with it? There is the risk of a hard landing and a prolonged recession. There is also hope. Firstly, Central Bankers are very aware of the tightrope they are walking along. Rates will rise, but Ironman competition aside, they will be responsible in the process of raising rates. Secondly, maths, provided we don’t slip into a wage demand spiral, it is hard for inflation to stay at 10%. Remember is the change in the price, not the level. So, prices can remain high (indeed they might), but inflation comes down if they don’t go up, especially as lag effects fall away. If prices stay high, it does not, of course, help the cost of living crisis. However, it does start to give governments more room to manoeuvre again.

In conclusion, we are indeed being buffeted by storms on many sides. Unwinding QE, exaggerated asset prices, inflation, and the War in Ukraine. This is a time when losing the least money, either nominally or in inflation adjusted terms on assets, will be the best result. This can best be achieved by diversification and active management of your investments. At Aventur, we work with leading technologies to help our clients in these challenging times.

Want to know more? Get in touch with this blog’s author, Timothy Dingemans, or fill out our contact form today.

The Hybrid Advice Model: How ‘Hybrid’ Is Revolutionising The Financial Services Industry

The Hybrid Advice Model: How ‘Hybrid’ Is Revolutionising The Financial Services Industry

Author Aventur • 05th May 22

The financial industry is changing rapidly, with traditional independent financial advisor models becoming outdated and inadequate. With advancements in financial technology making it easier than ever to manage your money, a new model of financial advice is on the rise: the ‘hybrid’ model.

At Aventur, we are pioneering this new model of financial advice.

Our unique platform takes a ‘hybrid’ approach to investing that combines the benefits of expert financial management with some of the most advanced financial technology available. In today’s blog, we’re exploring some of the benefits of both sides of the hybrid advice model: the technology and the advisors.  

The Technology

Huge advances in FinTech have made it possible to manage your money incredibly effectively without any human interaction, if that’s what you want. Here are just a few of the benefits that financial technology can provide for investors:

  • With 24/7 monitoring of your investments, you can rest easy knowing your money is in safe hands.
  • Automated changes (however small) can help balance your investments and avoid unnecessary risk.
  • Detailed reporting will provide a better understanding of how your investments are performing, as well as helping your financial planner to make personalised recommendations and track your performance vs. your goals.
  • With online record-keeping and system back-ups, the financial data that makes all this possible will never be lost.
  • A paper-free system and less face-to-face meetings for financial planners means you can manage your money without damaging the environment. 
  • Our upcoming online dashboard will provide you with a real-time overview of your finances, allowing you to track your financial goals, review the performance of your investments and view your income, outgoings and savings all in one place. So you can easily make informed decisions about your money.

The Advisors

As incredible as our technology may be, there are many advantages to having a financial advisor on your team. Here are just a few of the benefits that our experienced financial planners provide for our investors:

  • With a flexible approach to advice, you can choose to have as much or as little human contact as you like.
  • Nothing can beat that personal touch. As our client, you will be able to share your financial and general life goals with a real person who understands their importance and can help you to reach them.
  • All our planners are extremely qualified and experienced, with the expertise needed to help you plan your money effectively and achieve your goals on time. 
  • Our growing financial planning team is bursting with experience in a variety of areas, so you can be matched to the perfect advisor to suit your needs.
  • With a detailed understanding of each of the Aventur portfolios, our planners will help you to understand which is best suited to you and how much you should consider investing.

There is no doubt about it, the financial services industry is changing. With an approach that combines the industry knowledge of experienced advisors and advanced financial technology, Aventur is committed to being at the forefront of this change.

Do you want to be a part of the financial revolution? Get in touch today for a free, impartial chat with one of our dedicated financial planners.

A Quick Guide To Budgeting For People Who Hate Spreadsheets

A Quick Guide To Budgeting For People Who Hate Spreadsheets

Author Aventur • 28th April 22

Ask anyone who is notoriously good with money “what’s your secret?” and they’ll all give you the same answer: budgeting.

Truth is, it’s almost impossible to manage your money effectively without a budget of some form. The problem is, we often associate budgeting with big ugly spreadsheets. For those with excelophobia (Google it, it’s a real thing, apparently…) the idea of jumping onto Excel and creating a budgeting spreadsheet is usually accompanied by an overwhelming temptation to hide in the nearest cupboard.

So, especially for those of you averse to seeing lots of numbers in tiny white boxes, we’ve devised a guide to budgeting excel-free. It has three entire budgeting methods, all without a spreadsheet in sight. We know, we’re great.

First, List Your Expenses 

Hold up. Before you go rushing into any methods of managing your budget, you are gonna need to create one. Don’t worry, you can do all this on paper if you want, or maybe in a word document!

Start by writing down the exact amount of money you have coming in each month. This includes your salary and any additional earnings such as rental income, pensions or dividends. 

Next, list all your fixed monthly expenses – your rent or mortgage, utility bills, transport costs, credit card bills etc. Then list any additional expenses that vary from month to month – things like food, entertainment and holidays. Use your bank statements to help guide you if you are struggling.

Finally, add in any savings or investments. This should bring your total monthly spend to the same number as your income, ideally with a little contingency. 

Now you’ve got an idea of how much you should be spending and on what, it’s time to track. Here are three ways you can track your progress without the dreaded spreadsheet…

1. Track Through Your Bank Accounts

The simplest and perhaps least technical way to track your spending is to have several bank accounts: at least two checking accounts and one savings account. One checking account will be for any mandatory spending (e.g. bills and transport costs) and the other for the luxuries, like going out to eat or drink. The savings account (surprisingly) will exist for your savings.

To make this method even easier, you can potentially ask your employer to split your income between your three accounts. Have a word with your payroll department to find out if this is something they might be able to do! 

2. Track Through An App

Apps like Honeydue and Mint are designed to help you track your spending, savings and (in some cases) investments. By connecting your accounts, you can quickly see all of your spending for the month, neatly divided into categories like food, personal care, shopping, and entertainment. A quick glance at your pre-written budget and you can see if you’re on track! 

If these kinds of apps are your thing, our upcoming financial dashboard could be for you! Our dashboard will provide a live view of all of your finances in one place: including income, spending, savings, investments and even pensions. Sounds good, right? Register here to be the first to know when it is released!

3. Track In A Journal

Journaling isn’t just for writing about your feelings, you know. It also lends itself beautifully to handling your finances – especially if you prefer writing things out by hand to typing it all up.

Simply write out your budget in your journal, then check back on a regular basis (ideally at least once per week) and fill in your spending since your last check-in. 

The best thing about this method is that it is entirely up to you how much detail you include. You can note every single purchase, or you can broadly categorise your spending, it’s totally up to you!

Still not confident about managing your money on your own? Don’t worry. Our expert financial planners can help you to plan and manage your budget, with as much or as little input as you like. Get in touch today for a free chat, no strings attached. 

5 Industries You’ve Never Thought to Invest In

5 Industries You've Never Thought to Invest In

Author Aventur • 13th April 22

When we think about investing, we generally think about the same few industries. Things like technology, energy, transport (oh, hi, Tesla!) and retail all spring to mind straight away. And, with 9 of the 10 most popular stocks on the NASDAQ market all falling into one of those categories, it is easy to see why. 

But just because these industries are front-of-mind when it comes to investing, that doesn’t mean they’re the only ones worth investing in. 

Here are some of the lesser-known industries that can be invested in…


Well, more specifically, weather derivatives. A weather derivative is a tool used by organisations to hedge against the risk that weather poses to their profit margins. In return for a one-time payment, the person selling the derivative basically agrees that, in the event of a weather-related loss during a specified time period, they will bear the brunt of the organisation’s losses. If there are no losses before the contract expires, the seller makes a profit. Think of it like insurance. 

The fact is, weather is getting more erratic, more powerful and more extreme. This poses huge risks for many organisations. Germanwatch cites that between 1997 and 2016, the US alone experienced a 255% of loss per unit of GDP because of the weather. Weather derivatives provide a safety net for the organisations most at risk when it comes to the weather. And, as the weather becomes more unpredictable, these assets will only continue to grow in popularity, although most likely within bigger companies.


More than just a delicious drink for adults, wine (particularly fine wine) is quickly growing in popularity with savvy investors. Why? Well, because demand outweighs supply. Investment-grade wines are produced under stringent rules which limit the available supply. At the same time, these wines are specifically created to improve with age. As wine continues to improve over time, the demand for it increases and so does the price. Then, once it starts to be consumed, it becomes increasingly rare, driving the price even higher. In addition, the fine wine industry is not generally affected by the same factors that impact financial markets (including economic changes like recession, inflation and currency devaluation), making this an interesting alternative.


We don’t need to tell you why food is a worthy investment (but we’re going to). For as long as we need to eat to live, food is guaranteed to stay in demand. This is why the food industry is widely considered one of the safest industries to invest in. The industry is wide in its reach, its potential, and the types of organisation that thrive within it. Simple!


Similarly to the food industry, the pharmaceutical and healthcare industries will simply never not be needed. Alongside this, both industries have experienced impressive growth globally in the past four years. Rising populations and incomes in emerging markets, increased access to healthcare facilities, ageing populations, and a rise in chronic disease and poor health have all contributed to this.


Another industry that thrives off of our basic needs is the fast-moving consumer goods ( or ’FMCG’) industry. This includes a wide variety of daily-use products like toiletries, laundry and cleaning products, cosmetics and dental hygiene products. Because these products are seen as ‘essentials’ and are generally purchased alongside food, consumers don’t generally think twice about purchasing them and are unlikely to stop purchasing them, even when times get tough. The level of supply in the FMCG sector is pretty high, making it a very competitive market and meaning profit margins are generally slim, but organisations in the industry generally pay regular dividends to their shareholders, making for a more consistent source of income than the majority of ‘popular’ investment sectors. 

Did this blog help you to reconsider the industries you’re investing in? Let us know on Twitter or LinkedIn

Interested in learning how our financial planners can help you diversify your investment portfolio? Learn more about our unique approach to investing here or get in touch to get started. 

Additional Sources



*Capital at risk

Doom Shopping: The Latest Phenomenon To Wreak Havoc On Our Bank Accounts!

Doom Shopping: The Latest Phenomenon To Wreak Havoc On Our Bank Accounts!

Author Aventur • 06th April 22

What Is Doom Shopping?

‘Doom Shopping’ is a term that first emerged in early 2021, as Brits continued to live life in lockdown. 

Essentially, it means shopping for things other than the necessities in order to ‘feel something’. With many of our usual sources of happy hormones – socialising, exercising etc. – banned, we had to find other ways to bring ourselves up. Our solution? Shopping! 

But, despite the majority COVID-19 rules having been relaxed or eliminated entirely across the UK, doom shopping seems to be making a comeback. Why? Because the fragile political landscape, particularly in Europe, is making people feel anxious and uncertain. Dopamine, a happy hormone with a known association to shopping, is a great regulator for anxiety, making shopping an excellent choice for anyone feeling worried or out of control. So, it makes a lot of sense that, in the current climate, people are reaching for their credit cards and adding to their basket once again. 

When Is It OK To Doom Shop?

Doom shopping doesn’t have to be a bad thing. After all, it does help to regulate those negative emotions and it can help the economy. It is important not to beat yourself up if you find you’ve stretched outside of your budget or spent more than usual because you’ve indulged in a few extra purchases. It is totally normal to seek comfort and even escapism in purchasing things, especially when it might feel like the future you’re saving for is more uncertain than ever. You’re not alone in this and you have every right to feel this way. 

The important thing is to ensure that you’re only doom shopping when it is financially safe to do so – i.e. when it is something you can recover from quickly. Spending a little extra on a treat for yourself might affect your short term goals – this is fine, as it is easily rectified – but it should never be allowed to impact your long term goals. For example, if it prevents you from making any regular payments to your savings accounts, investment portfolio, mortgage or other necessary expenses, it is a “no go”. 

In short, doom shopping is fine when it is a simple (and relatively financially painless) release in a crazy and stressful world. It is fine when it supports local, small or struggling businesses or individuals without your long-term financial health suffering as a consequence. 

What Can I Do If I Am Worried About My Spending Habits?

If you do feel as if your doom shopping habits have gone a little too far and/or you’re worried that your long-term goals are being affected by your spending, don’t panic, get in touch with us. Our expert financial advisors know exactly how you feel and are on hand for a free, impartial chat, whenever you need it.

*Capital at risk






Q1 2022 And The Spring Statement: What Does It Mean For Investors?

Q1 2022 And The Spring Statement: What Does It Mean For Investors?

Author Timothy Dingemans • 31st March 22

The UK Chancellor delivers a downbeat Spring Statement, and the US Central Bank threatens 50bp rate hikes. Why are they being so harsh, and what does this mean for investors? Our Chief Investment Officer, Timothy Dingemans, tells all in his Q1 Update.

 The investment outlook is going through a profound change. We have had a calm sea and fair winds for several years, driven by Central Banks flooding the financial machinery with money. This has been one of the main drivers of the “everything rally” world we have been in, where every asset class has appreciated.

 We all knew that the situation would change as, thankfully, COVID appears to be under control and before that, the “2008 Crash” moved further into the rearview mirror.

 Very few expected that the “tap” would be turned off quite so fast.  

 Last week we had a very downbeat UK Spring Statement, where very little appeared really to be done to help those most vulnerable from the well-trumpeted cost of living crisis. We also had the US central bank make it quite clear that interest rates could be raised in clips of 50bp (basis points) rather than 25bp. i.e. an acceleration in the speed of tightening. For those more focused on financial plumbing, the difference between US longer-term interest rates and shorter ones has narrowed dramatically, often indicating a recession (see chart). At the same time, two-year interest rates in the US have rocketed higher.

 The chart shows the US 10yr rate minus 2yr rate, with the grey area being recessions

 Source:- St Louis Fed, Aventur

 Why are two leaders of the financial establishment pouring so much cold water over families and markets, ignoring the painful adjustments that will follow? The main reason is that inflation is racing higher. Central Bankers are no longer talking about transitory inflation and are rushing to ensure it does not go much higher. Inflation undermines so many pieces of the financial world that it really is the dragon you don’t want in the room. In order to “slay” the dragon, you need to manage people’s expectations that indeed the situation is under control and that wages don’t need to jump higher to counteract it. If not, you end up in a vicious spiral that often leads to stagflation. I.e. high inflation coupled with low growth or even a recession.

 I have now used recession twice, and this is the real reason that the financial leaders are rushing to restore normality in financial conditions. i.e. moving away from very low short term rates and “messaging” to ensure inflationary expectations are kept under control. The world needed the medicine (loose financial conditions), but now there is a real risk that it has “stayed on the Meds too long”, and there will be a severe withdrawal response as they are taken away.

 What does that mean for us? Firstly, the UK Chancellor showed it would be harder and harder for governments to show support towards the more disadvantaged areas of society as the pressure to deliver financial rectitude (balanced budget, slower money supply) are all needed to defeat inflation. The UK’s stance will be emulated elsewhere. This wave of tightening financial conditions will mean asset prices will suffer. Already bond markets are weakening, and I expect equity markets to follow shortly. 

 Is there a good way forward? Yes, if the famous “soft landing” can be achieved. i.e. the economy reacts quickly, and inflation lowers without too much of a fall in growth. However, a hard landing can not be ruled out. Indeed the rate of change in market pricing of interest rates risks creating too hard a break of financial conditions. In sum, the inflation genie is out of the bottle and getting the genie back in has quickly become the new priority for financial leaders, irrespective of the costs.

 Investors need to watch their investments closely and ensure good diversification. Returns are likely to be reduced, and like the UK Chancellor’s Spring statement, don’t expect too many handouts. At Aventur, we work with leading technologies to help our clients navigate these dangerous waters.

Want to make the most of your investments? Our whole approach to business is to blend advanced technology to support our team’s actions and decisions, increasing efficiency and, most importantly, exceptional results for you, our client. Visit our website or email Tim at tdingemans@aventur.co.uk to find out more. 

*Capital at risk



IFA Fees Are Falling…

IFA Fees Are Falling…
But What Does This Mean For The Future Of Financial Advice (And Why Should You Care?)

Author Aventur • 29th March 22

After reading a recent article by David Ferguson on the pending fall in IFA fees, we thought we’d take a better look at why this is happening and what it means for the future of financial advice.

 Why Are IFA Fees Falling?

 Put simply, the financial advice market is finally catching up with other industries, both in terms of adoption of new technologies and putting the client first.

 In his article for CityWire, Ferguson explains that a combination of operational efficiency, client focus and the diminishing role of legacy providers will soon allow advisors to significantly increase their capacity. With space to take on more clients, advisors will be in a position to charge lower fees and the competition for cost-efficient financial advice will soon hot up.

 He explains that, while advisers may be pulling in around 40% of 180bps[HM1]  (basis points)* right now, they may well be seeking to capture 50% of 120bps in the near future, as fees fall and capacity grows.

So, What’s Next?

Well, it seems like a more competitive financial advice market is on the horizon[HM2] , which is great news for anyone looking for financial support without the hefty price tag! In a vision he called ‘Tomorrow’s World’, Ferguson describes a market where financial planners take more ownership over professional services (either by fronting these services themselves or providing them in-house), allowing them to take control of the market before that control is relinquished to product providers. He explains that a customer-centric approach will be key, as we seek to keep the industry moving towards a place where clients and advisors are able to share the benefits of this new model in equal measure.

 The best part? What Ferguson referred to as ‘Tomorrow’s World’ is, in fact, already here.

But What Does This Mean For You?

 At Aventur, we combine the benefits of traditional financial advice (and the knowledge of our experienced financial planners) with some of the most advanced financial technology on the market to create a unique hybrid approach to financial planning.

 Our clients can benefit from one-on-one time with their dedicated advisor, whilst our technology works in the background to ensure their money works hard for them. We put our clients, our planet and the people affected by our business are at the heart of everything we do, because we believe we have a responsibility to serve a purpose beyond simply making money. But that’s not all. Our use of technology means we can be more efficient and transparent, saving our clients on fees and helping them to understand exactly where their money is being spent.

 Sounds good, doesn’t it?

 Get in touch today for a free chat to one of our financial planners – no strings attached.

 * a basis point is a unit of measure used for interest rates. One basis point is equal to 0.01%.



7 B Corps To Watch Out For In 2022

7 B Corps To Watch Out For In 2022

Author Aventur • 10th March 22

At Aventur, we’re currently going through the process of becoming a B Corp. You can find out more about what this means, as well as our overall commitment to balancing purpose and profit, here: https://aventur.co.uk/about/ 

A B Corp, or Certified B Corporation, is a company that has been proven to meet incredibly high standards of social and environmental performance, transparency and accountability. These standards, set by B Lab, are measured through the ‘B Impact Assessment’. If an organisation gains a total score of 80 or more, it may become a certified B Corp. 

For investors, ‘B Corp’ doesn’t just mean a clear conscience. A certified B Corporation is likely to be better managed, which means lower risk and safer investment. It’s a simple formula, but one that even Wall St are starting to place their bets on.

So, which B Corp’s do you really want to go for? With over 4,330 B Corps at the time of writing, there is plenty of choice out there when it comes to B Corp investment. The truth is, every investor will suit a different approach to B Corp investment, depending on their existing portfolio. But, in the interest of sharing some of our thoughts, here are 7 of our ‘one’s to watch’ from the current B Corp line-up:

The Big Issue Group (TBIG)

With an overall B Impact score of 137 and 6 mentions in B Corp’s inaugural ‘Best Of The World’ lists since its certification in September 2015, it is easy to see why TBIG is top of our list. TBIG is the producer of a street paper known as ‘The Big Issue’ which is sold right across the UK, supporting a network of over 1500 vendors.

Riverford Organic Farmers Ltd

Founded in a sleepy Devon town in 1987, Riverford now delivers boxes of fresh vegetables to over 70,000 homes in the UK every week. First certified in August 2020, this ethical company became employee-owned in June 2018, ensuring its values around people and the planet would be protected forever. Riverford has a B Impact score of 124.6 and was featured in last year’s ‘Best For The World’ for employees.

Apollo Energy

Based in Colorado, United States, Apollo Energy is a female-owned and operated company with a B Impact score of 124.4 and two features in this year’s ‘Best For The World’ lists. Providers of solar energy consultation, design, financing and installation, Apollo is driven by a passion for creating a future where everyone has the opportunity to own their energy. 


Belgium-based Alpro was a pioneer of plant-based foods long before veganism had taken over the western world. The company’s vision for a plant-based world comes from the impact of a plant-based diet on human health and the planet. Alpro’s B Impact score comes in at an impressive 106.3 and they were featured in the ‘environment’ category in last years ‘Best Of The World’ lists.

Oliver Co. London

Staying on the subject of veganism, Oliver Co. is a London based brand known best for its award-winning Apple Leather wallets. With an open DTC model and a focus on premium, innovative and sustainable materials, Oliver Co. is making a splash in the UK accessories market. A B Corp since February 2022, it is one of the newest additions to the list with an overall B Corp score of 100.3.

Disaster Tech

When a company’s goal is literally to save lives and protect the environment, it is hard to imagine it not making it into B Corp’s list of certified organisations. This is the case with Disaster Tech, one of B Corp’s most recently certified organisations.  Providers of decision science technologies for situational awareness, operational coordination, and risk management before, during, and after disasters, this company has entered B Corp’s list with a respectable B Impact score of 95.3.


Last but certainly not least, Bloomin is the original manufacturer of hand-made, recycled seeded paper. First sold as greetings cards, Bloomin’s innovative paper is now featured in packaging, print marketing solutions and a whole range of stationery products. With a B Impact score of 91.8 and four features in B Corp’s ‘Best For The World’ lists, Bloomin has a pretty impressive record when it comes to innovation in sustainability. 

As you can see, being a certified B Corporation is about much more than just a label. It’s about running a business that cares about people and the planet, not just profit. That’s pretty unusual for the financial services industry, and we reckon it’s one of the many things that make Aventur so special.

If you’re interested in working with a financial planner that’s about far more than just making money, get in touch today!

*Capital at Risk