The Wealth Coach - Nic Round

26/02/2026

You can take a complex clause—like a "Per Stirpes" distribution—and ask AI to explain it in plain English.

The goal isn't to replace your solicitor; it's to ensure you're asking them the right questions.

Read the guide and try the prompts here:
https://www.thewealth.coach/post/ai-review-my-will

26/02/2026

Ask Evoa here https://www.thewealth.coach/evoa

26/02/2026

We tend to worry about getting decisions wrong.

Less attention is given to how often they are made under pressure, without prior clarity.

I explore this in Letter I — On Avoidance.
https://www.thewealth.coach/post/letter-i-on-avoidance

26/02/2026

If markets fell 20% next year and took three years to recover, would your lifestyle have to change?

Not your portfolio.

Your lifestyle.

If you’re retired or planning to retire in the next five years, this isn’t a theoretical question.

A fall early in retirement doesn’t just test your investments.
It tests your timing — and timing is harder to recover than returns.

Before you adjust your portfolio, test your plan.

Copy-paste the three prompts below into ChatGPT or Claude and answer them honestly.

Most people never do.

1. The Lifestyle Test

Copy and paste:

“If my portfolio fell 20% next year and took three years to recover, what would I need to change — if anything — about my planned retirement date or annual spending? Be specific.”

Then actually list the changes.
Delay retirement?
Reduce withdrawals?
Pause travel?

If something has to change, your plan depends on favourable market timing.

2. The Time Buffer Test

Copy and paste:

“How many years of essential spending could I fund without selling investments at a depressed price? Assume markets are down 20% and stay there for three years.”

Essential means core living costs — not discretionary extras.

If the answer isn’t clear, your liquidity may not match your timeline.

3. The Forced Seller Test

Copy and paste:

“In what realistic scenario would I be forced to sell investments to fund my lifestyle if markets were down for an extended period?”

Not hypothetically.
Realistically.

If markets were down and stayed down, would you be choosing to sell… or having to?

That difference matters.

You can run these yourself.

But if the answers feel uncomfortable — or unclear — that’s usually the moment structured thinking helps.

If you’d prefer to pressure-test them with someone neutral to product and platform, that’s exactly what The Wealth Coach is for.

24/02/2026

Significant capital often arrives with emotion attached. The world will tell you to "put it to work" immediately. We suggest a different path: Wait six months.

Use that time to gain clarity on what the money should do before you decide what it will do.

Start with our "Sudden Liquidity" prompts to find your footing.

https://www.thewealth.coach/prompts

19/02/2026

If you’re facing a major financial decision, try pasting these into your preferred AI tool:

“Help me analyse whether this financial decision needs to be made immediately, or whether sequencing it over time could improve clarity.”

“What assumptions am I making about urgency in this decision? Which of those assumptions might be incorrect?”

“If I delayed this decision by six months, what risks would genuinely increase — and what might become clearer?”

Business sales. Retirement. Inheritance.
These moments rarely require speed, but they do deserve structure.

That’s what Evoa was designed to provide.
https://www.thewealth.coach/evoa

09/02/2026

Most investment risk isn’t taken deliberately.

It’s inherited.

From past decisions, old assumptions, and markets that behaved differently at the time.

Today, those assumptions are being tested, not just by volatility, but by how quickly businesses, valuations and careers are changing.

This isn’t a call to act.

It’s a reason to pause.

Before making changes, or doing nothing at all, it’s worth understanding whether the risks you’re carrying are still the ones you intend to take.
Evoa exists to help you see that clearly, before advice, before action.

You can find Evoa HERE https://www.thewealth.coach/evoa

04/02/2026