People still buy into the myth that fund managers can add value to returns when statistically we know 8 out 10 will fail to out-perform the market average.

There is a different way, where investors can reduce risk, increase diversification and massively decrease costs. Smart are specialists in applying the academic study that won the Nobel Prize for economics in 1991 to managing clients money.

Martin has worked in both the United States and Australia before developing his experience in the UK, specialising in tax planning solutions within a highly structured financial model.