I’ve only ever had two careers, Royal Marines Commando and Financial Planner. The physical requirements between the two roles are a world apart, but what I learned in the Marines about high standards, ethical behaviour and purposefully serving others has served me well as a financial planner.

Every so often I seek a challenge that forces me to change my behaviour so and after a 22-year gap I am embarking on my second Marathon de Sables, the 150-mile endurance marathon in the Sahara, which I last completed when I was 40. I have no intention of retiring, and like Warren Buffet and Charlie Munger I hope to be dispensing sage advice in my 80’s and 90’s.