Graham Russell, Independent financial adviser

An introduction to Graham Russell

Your career to date?
After graduating from University in Edinburgh, I joined Lincoln National as a trainee adviser. I spent 3 years there learning the ropes of financial planning and then joined an Independent Financial Adviser firm in the City of London. In 2002 I joined Honister Partners, and have developed bespoke financial solutions for my clients ever since.

If you could offer one piece of financial advice to an individual, what would it be and why?
If you have any unsecured debts in terms of credit cards or loans, focus on paying these off quickly. The effect of high APR rates on your wealth are exceptionally damaging.

Which areas of financial planning do you feel an individual should be addressing in the next 2 years?
Each individual's needs are different.

What is the most common mistake you find individuals make in financial planning?
Focusing on the short term risk of volatility in the stock market and ignoring the long term risk of inflation.

As an independent financial adviser what, for you, are the main benefits of being a part of Honister Partners Ltd?
I work within a parnership company under Honister Partners. It allows me to call upon a far greater level of experience than I have myself.