Author: stevek

  • Week 4 – Asking Better Questions & Building Trust

    Week 4  B2B Sales series, Asking better questions and building trust.
    Poppy having a snooze as I write this conversation

    🟦 Business After 60 Conversation

    In my early days as a Sales Manager, our German Sales Director asked me a question that I couldn’t answer:

    Why was our UK sales team struggling to break into a particular market sector when our colleagues in Germany were extremely successful?

    • Was the competition stronger in the UK?
    • Was our product less suitable?
    • Or was something else going on?

    That question stayed with me for almost a year.

    Then, during an annual appraisal, I accompanied one of our best salespeople on a customer visit.

    Halfway through the meeting, it suddenly dawned on me what we’d been doing wrong.

    We weren’t losing because we had the wrong product. We were losing because we were asking the wrong questions.

    The sector happened to be the UK water and sewage industry—which has always had its own unique structure and commercial pressures (a story for another day).

    The important lesson wasn’t the industry itself – it was that we had been asking questions based on what we wanted to sell, rather than what our customers needed for their own unique circumstances.

    That single realisation changed the way I approached B2B selling for the rest of my career.

    The Foundation of B2B Trust

    Building trust is the single most important element of establishing a long-term partnership with potential clients.

    Customers rarely buy because you gave the best presentation.

    People don’t buy products.

    They buy confidence.

    Confidence that you’ve understood their business, anticipated their problems and can deliver what you’ve promised.

    Building that trust starts long before you talk about your products—it starts with the quality of the questions you ask.

    In today’s economic climate, with rising operational costs, buyers are often tempted to go for the cheapest or most aggressive upfront price.

    However, the Ladder of Approach (which we covered in Week 3) gives us the framework to uncover a client’s real pain points, needs, and hidden concerns. We do this by asking targeted, diagnostic open questions.

    When you ask better questions, you stop being a salesperson trying to push a product and start acting as a trusted technical adviser.

    Example 1: Specifying High-End Architectural Glazing

    To see how this works in practice, consider a company I advise that supplies high-end sliding and bi-fold doors to the luxury residential construction market.

    Their primary target on the Ladder of Approach is often the Architect.

    Architects don’t care about a flashy sales pitch. They care about design integrity, regulatory compliance, client satisfaction, and avoiding expensive site delays that ruin their reputation.

    If you approach an architect trying to “sell” a door, you’ll quickly get pushed down to procurement or shown out the door.

    If you ask precise, diagnostic questions that uncover hidden site risks, you build instant technical credibility.

    Uncovering Design & Aesthetic Intent

    • The Weak Question: “What size doors are you looking for on this project?”
    • The Trust-Building Question: “When you visualised the transition between the internal living space and the terrace, what sight-lines and frame profiles were you hoping to achieve without compromising thermal performance?”
    • Why it works: It proves you care about their aesthetic vision, not just selling aluminium and glass by the square metre.

    Diagnosing Technical & Structural Realities

    • The Weak Question: “Do you have the opening measurements ready?”
    • The Trust-Building Question: “With these large span openings, what structural deflection tolerances have been engineered into the lintel, and how are you planning to handle flush threshold drainage against driving rain?”
    • Why it works: You are highlighting nightmare site scenarios before they happen. For anyone who isn’t a structural engineer, an uncalculated overhead load can press down onto the top frame, pinching the tracks and causing heavy glass panels to jam, squeak, or fail entirely.

    Ropho Business Insight: In my work with this manufacturer of these exact doors, they were experiencing severe sales bottlenecks.

    The issue wasn’t the product quality—the doors were built to the highest specification.

    The failure came down to two things:

    Their sales team wasn’t qualified to ask the technical questions architects needed to hear, and their third-party installers lacked the specialised skills required for large-scale installations.

    (For more on solving this, see my digital toolkit s on training sales staff with the right tools to close deals and avoiding bad third-party hires).

    Mitigating Commercial & Delivery Risk

    • The Weak Question: “When do you need these delivered?”
    • The Trust-Building Question: “Looking at your build schedule, at what point does the weather-tight milestone hit, and what margin have you built in for lead times so the interior fit-out isn’t delayed?”
    • Why it works: You are actively safeguarding their timeline and helping them manage the main contractor’s expectations.

    Example 2: Industrial Automation in Manufacturing & Food Processing

    In my career, selling programmable logic controllers (PLCs) and variable speed drives (VSDs) into factory environments—particularly food processing—taught me an entirely different layer of trust-building.

    In high-speed manufacturing, nobody cares about technical specs on a datasheet for their own sake.

    What keeps a Factory Manager or Engineering Lead awake at night is unplanned downtime, energy waste, and harsh environmental failures.

    If you walk into a food plant talking about product features, you’re just another component vendor. If you ask targeted operational questions, you become a partner who protects their production targets.

    Diagnosing Downtime & wash-down Vulnerabilities

    In food processing, equipment gets blasted with high-pressure, hot chemical washdowns every single night. Standard IP-rated gear often fails under these aggressive routines.

    • The Weak Question: “What IP rating or drive specs do you normally order?”
    • The Trust-Building Question: “During your nightly washdown routines, where are you seeing the most frequent drive or sensor failures on the line, and what is that doing to your morning startup times?”
    • Why it works: You immediately link electrical hardware directly to operational delays and maintenance headaches that the Engineering Manager deals with every day.

    The Golden Rule of B2B Diagnostics

    Whether you are talking to an architect about luxury bi-fold doors or an engineering lead about PLCs and drives, the fundamental rule remains identical:

    You are not selling the product; you are solving the disruption that happens when the wrong product is chosen.

    When you ask questions that prove you understand their daily realities, you climb the Ladder of Approach effortlessly.

    They realise you aren’t just selling—you’re safeguarding their project, their production, and their reputation.

    Frequently Asked Questions (FAQ)

    What if the customer just wants a price right away?

    Acknowledge their request immediately, but explain that to give an accurate, honest figure that won’t incur hidden site costs or variation fees later, you need to clarify two or three key details about how the product will actually be installed or operated.

    How do I avoid sounding like an interrogator during discovery?

    Frame your questions with context. Before asking a technical question, explain why you are asking: “To make sure we don’t run into issues with weather seals during installation, can I ask…” This shifts the tone from an interrogation to a collaborative problem-solving session.

    What is the single biggest mistake salespeople make when asking questions?

    Not waiting for the full answer.

    Most salespeople can remember times early in their careers when they talked too much, jumped in before the customer finished explaining their pain point, or simply failed to listen.

    Ask a great open question, sit back, and let the customer speak.

    The Final Reflection

    Trust isn’t built by showing how smart your product is. It is built by proving how thoroughly you understand their problems before you ever offer a solution.

    Alongside my Look, Read, Watch, Listen strategy checklist, preparation before, during, and after sales meetings is essential for meaningful follow-ups.

    When training sales teams, I still use a structured meeting scoring system to measure diagnostic effectiveness—a tool I use to this day.

    If you diagnose thoroughly, the sale takes care of itself.

    I’ve never believed great salespeople are brilliant closers.

    I believe they’re brilliant preparers.

    They research better.

    Ask better questions.

    Listen more carefully.

    They build more trust.

    By the time they ask for the business, the decision has almost been made.

    That’s what we’ll explore next week.

  • ☕ Weekend Conversation: Head, Heart & Holidays

    This weekends conversation - Do you use your head or heart when buying a car? Can you improve at sport as you get older and finally what would you like to do that terrifies you.

    The Things That Make Us Smile

    We’re back home after three wonderful weeks away. You know that feeling? The fridge is empty, there’s a mountain of washing, the garden suddenly looks twice the size you remembered, and Monday is already peering around the corner.

    Here is a quick weekly update on where Ropho is.

    For those of you following from the beginning, you might remember my early posts describing how I wanted to embrace new challenges. Mine was building a website—good or bad—using my long-held ambition of writing something I could share, while using the latest wonderful, slightly scary technology.

    Learning the tech side (SEO, website maintenance) was manageable thanks to my industrial automation background.

    I’ve really enjoyed experimenting with AI, especially generating images (though I’ve probably gone over the top with it, as I tend to do with new things!).

    However, the next stage terrifies me. It’s something I’ve been dreading all along: creating a reel (video content).

    For some, it seems like the easiest thing in the world—you only have to look at TikTok or Instagram.

    For me, it is completely daunting. I regularly present to large audiences and speak at industry conferences, but in those environments, I have a shield: my products, my services, and a freshly laundered suit and tie.

    So, here goes—start small, as I always say. My first attempt: no AI, no fancy lighting, just me first thing in the morning, sweaty before a shower and shave during my morning walk.

    Looking back at it makes me smile—well, laugh, actually—at how rough it is. But (and this is a big but), I will hopefully improve. The point is, I’m giving it a go.

    The Video Challenge: What Terrifies You?

    • What terrifies you right now, and what are you actually going to do about it?

    My first ever Ropho video! Be kind—I’m learning, and every journey starts somewhere. 😊

    🚗 Buying a New Car After 60: Head or Heart?

    “My daughter tells me we should be considering the environment. My brain tells me modern electric cars are sensible, efficient, and clean. But my ears? My ears miss the sound of an engine.”

    After spending three weeks driving up and down the East Coast we stopped at a few dealerships looking at new cars, I’ve hit a wall. Modern cars are undoubtedly impressive—tech-laden, silent, and fast, but are they actually better, or just different?

    It got me thinking about my 1990 Porsche 911 (the 964, for those who know).

    Back then, driving it wasn’t about shouting success or showing off a status symbol; it was about pure, unfiltered power and that unmistakable air-cooled flat-six rumble, flying through the new forest like a lunatic.

    It had power steering and ABS, so it was usable, but it was still totally analog. You felt every inch of the road, but i suppose that was the point.

    Looking back, I realised I’m not really searching for a new car.

    I am starting to understand why one particular car from another stage of my life has stayed with me for so long.

    Perhaps after 60 we don’t simply buy with our heads or our hearts—we buy with our memories as well.

    ⛳ Can You Actually Get Better at Sport in Your 60s?

    “I had one round of golf during our three weeks away, and I was smearing the ball straight down the middle in a way I couldn’t even dream of in my twenties or thirties.”

    I like to kid myself that I’m in fantastic shape, and maybe the sensible strength training helps, but let’s be honest: why do some things get easier with age?

    Is it the modern clubs with sweet spots the size of a dinner plate? Is it improved technique? Or is it something far simpler, less ego and more patience?

    When you’re younger, you want to muscle the ball 300 yards off the tee, not giving a thought to where the bunker.Be damned, just hit it as hard as you can.

    Decades later, you stop trying to prove anything to the course, relax your hands, and suddenly the ball goes exactly where you wanted it to go (sometimes).

    I still spend too much time in the rough!.

    Maybe getting older doesn’t always mean becoming weaker. Sometimes it means becoming more efficient, more patient and more aware of what really matters.

    🌞 Do Couples Spend Holiday Time the Same Way?

    “I spent three weeks along the coast focusing on writing, exploring local businesses, looking at cars, and finding great places to eat. I thought it was a brilliant break. Sharon enjoyed it too… but I know she’s secretly counting down the days until Crete in September and planning a shopping trip to prepare.” Wallet beware!

    It’s the classic holiday paradox. For one person, a great break means keeping the mind active, working on passion projects, taking long walks, and checking out regional spots.

    For the other, a true break means guaranteed warmth, a complete pause, relaxing by the pool drinking cocktails, and a bit of retail therapy before off-loading into the sun.

    Neither approach is wrong, but it’s funny how two people in the same place can have completely different ideas of what constitutes a “recharge.

    Three weeks away reminded me that life after 60 isn’t really about having all the answers. It’s about continuing to ask interesting questions.

    Like should I take my laptop to Crete. I’m sure Sharon will have something to say about that particular subject!

    This week those questions happened to be about fear, cars, golf and holidays. Next week they’ll probably be completely different.

    That’s one of the things I enjoy most about writing Ropho. Every conversation teaches me something—and hopefully starts a few conversations of your own.

    So, before we all head back into another week, I’d love to know…

    Which of this weekend’s conversations made you smile the most?

  • The Best Investment After 60 Might Be Yourself

    🟧 Midweek After 60 Conversation

    Midweek conversation - Why investing in yourself after 60 may be the smartest decision you'll ever make.
    Frinton Beach in Essex

    As Sharon and I come to the end of our three-week working trip exploring England’s East Coast, I’ve had plenty of time to think.

    We’ve discovered some wonderful places, enjoyed some memorable meals, walked miles along the coast and, in between, I’ve been quietly adding to Ropho’s growing library.

    Something has been playing on my mind.

    When I launched Ropho, I thought my most popular articles would be about good food, interesting wines and finding hidden gems for a weekend away.

    Instead, the article that continues to attract the most readers is one comparing resistance bands with dumbbells.

    That genuinely surprised me.

    But perhaps it shouldn’t have.

    Every Monday we talk about building businesses that are profitable enough to give us more freedom.

    We regularly discuss pensions, savings and making the most of the money we’ve worked hard to earn.

    The weekend conversations are about enjoying life, travelling, good food and making memories.

    Yet all of those things rely on one asset that many of us neglect.

    Ourselves.

    A Lesson I Had to Learn the Hard Way

    A few years ago, life gave me a sharp reminder that none of us are invincible.

    After my heart problems and having a pacemaker fitted, I had to make some significant changes.

    Giving up smoking wasn’t the difficult part.

    Replacing the habit was.

    For a while, my new best friends became the fridge and the sofa.

    It would have been easy to stay there.

    Instead, I slowly discovered something that has become one of the most valuable lessons of my life.

    Exercise wasn’t just helping my body.

    It was helping my mind.

    The hour I spent walking or doing resistance training wasn’t time taken away from my business.

    It made me better when I returned to it.

    The Six-Hour Investment

    Around the same time I was helping several business owners who were working sixty or seventy hours every week.

    They wanted help growing their businesses.

    What many of them actually needed was permission to look after themselves. They were burning themselves out, not eating properly, not sleeping properly and definitely not exercising.

    That experience led me to a simple rule that I still follow today.

    Protect six hours every week.

    Three hours working on your business, and then spend three hours working on yourself.

    Not because you have plenty of spare time, because you don’t

    Those six hours often improve the other hours in the week.

    Then Something Happened

    Over recent weeks I’ve noticed something else.

    The conversations I’m having with readers are changing.

    One reader, a GP, told me she found my article about management and leadership refreshing because it explained complicated ideas in a straightforward way.

    She admitted that although she became a doctor to care for people, today she also has to lead teams, manage budgets and run a practice.

    Another conversation this week was with a young entrepreneur who runs a successful food business. Despite the difference in our ages and industries, we both reached the same conclusion.

    Whether it’s sales, marketing or leadership, success comes from understanding people.

    These conversations have reminded me why I started Ropho.

    It isn’t simply about business, it isn’t just about money, it isn’t only about fitness.

    It’s about helping people over 60 make the most of the years ahead.

    Sometimes that means discussing pensions, sometimes resistance bands, sometimes business strategy, sometimes finding a great place for lunch.

    The subjects change.

    The purpose doesn’t.

    This Week’s Money Conversation

    That brings me to another subject several readers have asked about.

    Could delaying your pension actually leave you better off?

    The answer, as with most financial decisions, is that it depends.

    For some people, waiting can make excellent financial sense.

    For others, taking the income sooner allows them to enjoy the years when they’re healthiest and most active.

    Over the coming days we’ll explore the advantages, the disadvantages and, more importantly, the questions you should ask before making such an important decision.

    Over to You

    One thing I’ve realised recently is that many of my favourite articles haven’t started with my ideas at all.

    They’ve started with our conversations.

    So I’d like to ask you something.

    What’s the biggest challenge you’re facing as you look towards the years ahead?

    Is it your health?

    Your finances?

    Finding purpose after retirement?

    Running a business?

    Or simply making more time for the people who matter most?

    Drop me a comment below or send me a message.

    I read every one of them.

    There’s a good chance next week’s conversation will begin with yours.

  • Business Research: Climbing the Right Ladder

    Real research for effective b2b sales


    🟦 Business After 60 Conversation

    “Didn’t we cover research last week?”

    Fair question.

    Last week, we covered the basics, knowing your products inside out, finding the Managing Director, checking Companies House, checking turnover, scanning LinkedIn, and looking for recent news.

    All of that matters. But here is the thing – that tells you what a company does. It doesn’t tell you how the company actually works.

    That is where many salespeople—and business owners—come unstuck.

    The most valuable research isn’t sitting on a website. It’s the information you only discover by asking better questions and understanding how the organisation really works.

    What Company Research Leaves Out

    1. Can They Actually Become a Good Customer?

    Just because you can win the business doesn’t mean you should.

    Before investing weeks of effort, you need to answer a few fundamental questions:

    • What are their payment terms?
    • What is their normal payment cycle?
    • Are they known for paying on time, or do they squeeze suppliers?
    • Will taking on this account damage your cash flow?

    If your standard terms are 30 days but theirs are 90, you’ve just given away two months of free credit before you’ve even agreed on a price. That isn’t a sales win; it’s a financial risk.

    2. Forget the “Decision Maker”—Build the Ladder of Approach

    A lot of traditional sales training focuses on hunting down the single “decision maker.” In reality, very few major purchases rest on one person’s shoulders.

    Your real job is finding everyone who influences the decision.

    Imagine selling machinery or capital equipment into a factory. The internal ladder might look like this:

    • Managing Director
    • Operations Director
    • Production Manager
    • Engineering Manager
    • Maintenance Team
    • Operators
    • Purchasing / Procurement

    Every single person on that list can either help your sale along… or quietly kill it behind closed doors.

    I learned this lesson the hard way over thirty years ago. I was working as a young automation sales engineer for a major German manufacturer.

    We were chasing a breakthrough contract with what was potentially the single biggest user of that product in the UK.

    Accompanied by our UK Sales Director, we set off for Belfast, which during the Troubles, was a carefully planned, high-stakes trip in itself involving long drives, ferries, and security checkpoints.

    As the sales engineer responsible for securing the opportunity, I genuinely believed we’d covered every angle.

    We hadn’t.

    What had I forgotten? The Production Team.

    We got right in front of the board, made our pitch, and watched the whole deal stall out.

    The Design Team loved it, but because we hadn’t bothered to talk to the people on the factory floor who actually had to run and live with the machinery, the internal push-back killed the deal right there on the spot.

    All that travel, all that planning, completely wasted.

    That painful journey home was when I first realised, there is always a ladder of approach.

    Whether it’s just two people in a small business or six different departments in a major corporation, skipping a rung to get to the “big boss” will almost always catch up with you.

    3. Who Benefits… and Who Loses?

    Every business has competing internal priorities, and every change creates friction.

    • If your system saves time for the Production Manager, does it create a headache for Maintenance?
    • If your proposal makes Purchasing look good on cost, does Engineering hate the quality compromises?

    Uncovering these internal tug-of-wars during your discovery phase is real business research.

    4. Respect the Unofficial Influencers

    Beyond the formal structure, every business has key influencers who don’t show up on an organisation chart:

    • The Receptionist or Executive PA who guards the diary.
    • The Stores Manager who knows which suppliers actually deliver on time.
    • The Production Supervisor who knows what breaks down.
    • The veteran engineer who has been there thirty years and whose opinion everyone trusts.

    Ignore them at your peril.

    5. Why the Ladder Works: Two Real-World Scenarios

    Whether you are dealing with an inbound lead or cold outreach, climbing the rungs systematically is what closes deals.

    Scenario A: The Warm Lead or Referral

    Even when a client comes to you with a clear pain point, you still have to cover every rung to ensure smooth sailing at the final sign-off.

    Take a recent electrical contractor client of mine chasing a long-term local authority contract.

    The sales cycle stretched over nine months because of the sheer number of departments involved: Procurement, Planning, Technical & Regulatory, and Logistics.

    To win, they had to build trust across every department. Skipping a single rung could have scuppered the entire project.

    The discipline of B2B sales is moving methodically from one level of influence to the next.

    “Now that we’ve agreed on how our solution solves the bottleneck in your department, are you happy for us to present these findings to the Design Team next?”

    At every level you’re gaining agreement, uncovering concerns and refining your proposal. By the time you finally reach the boardroom, very few surprises remain.

    Many salespeople skip the ladder because they’re taught to get to the Managing Director as quickly as possible.

    It feels efficient. In reality, it often creates resistance.

    People who feel ignored during the process have an unfortunate habit of raising objections at exactly the wrong moment.

    Scenario B: Proactive Outreach

    The same logic applies when your research identifies a potential problem you know you can fix.

    By mapping out the influencers beforehand, you aren’t just cold pitching the board—you are reaching out with specific, targeted insights for each level of the organisation.

    (We break down how to secure those initial meetings in Episode 2, with detailed frameworks available in our subscriber toolkits).

    Applying the Four Pillars

    The framework I introduced in Week 1 becomes even more valuable once you’ve secured the meeting and started to understand how the organisation really works.

    LOOK

    Look beyond the organisation chart. Observe the business itself. How do departments interact? Who seems to carry influence? Which areas appear busy, well organised or under pressure? Often, the physical environment tells you as much as the annual report.

    READ

    Continue researching throughout the sales process. Read technical specifications, procurement policies, industry publications and anything that helps you understand the customer’s commercial and operational priorities. Research shouldn’t stop once the appointment is booked.

    WATCH

    Watch how people behave during meetings. Who asks the technical questions? Who remains quiet? Who does everyone turn to before making a decision? The most influential person in the room isn’t always the one sitting at the head of the table.

    LISTEN

    Listen carefully to the language people use. Listen for frustrations, repeated concerns and throwaway comments. They often reveal more about the real buying process than the formal agenda ever will.

    The Four Pillars aren’t simply a way to prepare for meetings. They’re a practical way of understanding how businesses really make decisions.

    Frequently Asked Questions (FAQ)

    Why isn’t finding the Managing Director enough?

    In many B2B organisations, the Managing Director may approve the purchase, but they rarely make the decision in isolation. Production, Engineering, Purchasing, Finance and the end users all influence the outcome. Understanding who shapes the decision is often just as important as knowing who signs the order.


    What is the ‘Ladder of Approach’ in B2B sales?

    The Ladder of Approach is a practical way of identifying everyone involved in a buying decision. Rather than focusing on one individual, it encourages you to understand the people who use, specify, influence, approve and ultimately authorise the purchase.


    How do I identify the real influencers inside a business?

    Start by asking simple questions. Who will use the product every day? Who maintains it? Who specifies it? Who controls the budget? Who has the final authority? You’ll often discover that influence extends well beyond the organisation chart.


    Can this approach work for small businesses as well as large organisations?

    Yes. The ladder may only involve two or three people in a smaller business, but the principle is exactly the same. Before presenting your solution, understand who will be affected by the decision and whose support you’ll need.

    The Takeaway

    Research doesn’t stop when you’ve found the Managing Director’s name on LinkedIn.

    It finishes when you understand how decisions are really made inside the organisation.

    In my experience, companies rarely buy because one person says yes. They buy because nobody important is left saying no.

    The most overlooked skills in B2B sales Getting the right meeting

    Read More – 🟦 Business After 60 Conversation – Getting the right meeting.

  • Weekend Conversation: Wine, Summer Memories & Life After 60

    This weekend conversation - Wine, food and memories.

    Food, Memories & Our Glorious Decade

    Sometimes the best conversations aren’t about business or money. They’re about the simple things that make life enjoyable.

    Welcome to this weekend’s conversation.

    Sharon and I are now into our third week exploring England’s beautiful East Coast. It’s been part holiday, part research trip for Ropho and, perhaps most importantly, a reminder that some of the best discoveries happen when you slow down.

    We’ve enjoyed stunning scenery, stayed in some lovely hotels, uncovered a few hidden gems for future weekend breaks and, above all, met some genuinely interesting people. I’ll be sharing plenty of those experiences over the coming weeks.

    But after this week’s conversations about business and personal finance, I thought we’d do what weekends are for.

    Pour yourself a glass of something you enjoy, settle into your favourite chair and join me for three conversations that have been on my mind this week.


    1. Wine, Scallops and the Unwritten Rules of Hospitality

    One evening this week we enjoyed an outstanding plate of Oriental scallops. As often happens, the meal became more than just dinner. It turned into a conversation with the chef about seafood, wine pairings and what actually makes a good bottle of wine these days.

    My own view has always been wonderfully uncomplicated.

    Red wine goes with almost everything.

    Although, even I’ll admit that pairing a full-bodied red with delicate scallops may be stretching the friendship a little.

    During the meal I mentioned to Sharon that I’d invited a couple of new people we’d met on our travels over for dinner when we return home. They’re interesting people who may even become part of the wider Ropho journey.

    That simple conversation led to another question.

    When you’re hosting friends, do you open your very best bottle, or do you quietly keep the special one tucked away for another occasion?

    Is hospitality about sharing your finest, or simply making people feel welcome?

    And while we’re on the subject, what do you think represents good value these days?

    Has the price of a decent bottle quietly crept beyond what most of us consider reasonable, or can you still find excellent wines without spending a fortune?

    Over to you…

    • Do you bring out the best bottle when guests visit?
    • What’s your favourite everyday wine that tastes far more expensive than it actually is?

    2. Long Summers, County Cricket and Village Life

    Driving through the countryside of Essex, Suffolk and Norfolk this last couple of weeks, brought back memories I hadn’t thought about for years.

    Summer feels different now.

    Perhaps it’s because we appreciate it more. Perhaps it’s because we know just how precious those warm evenings really are.

    Growing up in a small Hampshire village, summer seemed to last forever.

    I remember tractors humming across nearby fields, afternoons spent beside the village cricket ground with my grandfather and uncle, and those wonderful “special occasion” trips that felt like grand adventures.

    One of my favourites was visiting Hampshire’s old County Ground, where I watched legends such as Gordon Greenidge, Andy Roberts and Barry Richards from the boundary rope. I even remember being quietly smuggled into the Members’ Enclosure on one unforgettable afternoon.

    There were family picnics on Old Winchester Hill, walks through the beautiful Meon Valley and Sundays when visitors would call after church. Our bungalow stood next door to the parish church, and I can still picture my grandmother and mum sitting in the garden enjoying a gin and tonic while conversation drifted lazily into the evening sunshine.

    Funny how summer itself hasn’t really changed.

    Perhaps it’s simply our perspective that has.

    Over to you…

    When you think of summer, what’s the very first memory that comes flooding back?


    3. Our Glorious Decade

    One subject seems to come up more and more as we move through our sixties.

    The bucket list.

    Some people love the idea because it gives them purpose and direction.

    Others dislike the phrase altogether, believing it creates unnecessary pressure and turns life into a checklist.

    Personally, I think the answer lies somewhere in the middle.

    I don’t believe we need fifty grand ambitions scribbled onto a list.

    But I do believe we all need something exciting to look forward to.

    It might be travelling somewhere you’ve always dreamed about. Japan remains high on my own list.

    It might be learning a new skill, writing a book, starting a small business, volunteering, getting fitter than you’ve ever been or finally creating something you’ve talked about for years.

    For me, that’s exactly what Ropho represents.

    It’s proof that new ideas don’t have an expiry date.

    If anything, our sixties can become the decade when experience, freedom and confidence finally come together.

    I’ve started calling this our Glorious Decade, because I genuinely believe that’s what it can be.

    Not a time to slow down.

    A time to choose what really matters.

    Over to you…

    If there was one dream, one adventure or one personal goal you’d still love to achieve, what would it be?


    Final Thoughts

    One of the unexpected pleasures of writing Ropho has been the conversations that follow. Every week people share memories, opinions and experiences that often become the inspiration for future articles.

    So wherever this weekend finds you, I hope you find time to enjoy good food, good company and perhaps spend a few moments thinking about the adventures that still lie ahead.

    Life after sixty isn’t about looking backwards.

    It’s about making the years ahead every bit as interesting as those we’ve already enjoyed.

    Have a wonderful weekend.

    Steve

  • How to Audit Your Spending After 60 and Fund Adventure

    How to audit your spending after 60 and fund adventure


    🟨 Wednesday Finance Conversation #2: How to Audit Your Spending After 60 and Fund Adventure

    Now moving into the seventh month of Ropho, last week’s conversation about the lifestyle gap – the difference between the retirement we imagined and the one our pension alone may provide – reminded me why I started this website in the first place.

    It was never meant to be a place where I simply handed out advice. There are already plenty of excellent websites that explain pensions, investments and tax planning.

    My ambition was slightly different.

    I wanted to create a platform where people over 60 could talk openly about the subjects that really matter.

    To debate ideas, share experiences and sometimes even disagree respectfully.

    Conversations that aren’t always easy to have, but become much easier when people realise they aren’t facing them alone.

    Last week’s finance conversation, together with our earlier discussion about blended families, wills and trusts, generated some of the most thoughtful comments we’ve ever received.

    Reading through them taught me something.

    Although our circumstances are all different, most of us want exactly the same thing. We want to enjoy our sixties and seventies while we’re healthy enough to do so. Some of us dream of travelling. Others want to help grandchildren through university. Some simply want the reassurance of knowing they have enough money to sleep well at night.

    There isn’t a right answer, there are simply different priorities.

    One thing did become obvious, though.

    Many of you weren’t worried about running out of money.

    You simply wanted to make smarter decisions with the money you already have.

    As many of you know, when I write my Monday Business Conversations, I can speak with absolute confidence. After more than forty years working with businesses, I’ve seen what works – and perhaps more importantly – what doesn’t.

    These Wednesday and Weekend conversations are a little different.

    Here, I’m simply sharing my own experiences and opinions, hoping they resonate with you. In fact, researching these finance conversations has made me look at my own finances differently.

    More than once I’ve caught myself thinking, “I tell my business clients to review this every year, when was the last time I reviewed my own?”

    Which brings us neatly to this week’s conversation.


    The Adventure Fund Audit

    When most people hear the words “budget” or “review your spending,” they immediately think about giving things up.

    No more restaurant meals.

    No more spontaneous weekends away.

    Swap the coffee shop for instant coffee.

    If that’s what you think this conversation is about, let me put your mind at rest.

    We’re not doing that here.

    By the time we reach our sixties, most of us have worked far too hard to spend the next twenty or thirty years counting pennies.

    You deserve to enjoy your favourite restaurants, travel when the opportunity arises and enjoy the rewards of everything you’ve spent a lifetime building.

    But there is a huge difference between spending money on things that genuinely improve your life and allowing money to quietly disappear every month without even noticing.

    This week’s challenge is something I call The Adventure Fund Audit.

    The aim isn’t to spend less.

    It’s to spend more intentionally.


    1. The Low-Hanging Fruit – Finding the Silent Leaks

    Before looking for extra income, let’s stop the unnecessary leaks.

    These are usually the easiest wins.

    The Lazy Cash Trap

    One question worth asking is this.

    Is your savings account actually working for you?

    Many people still have money sitting in current accounts or older savings accounts earning very little interest.

    In business we’d probably describe this as idle capital.

    At home it’s simply money that could be working harder.

    Moving accessible savings into a competitive Cash ISA or higher-interest savings account could generate hundreds of pounds each year without taking any additional risk.

    That’s a weekend away simply from moving your money to a better home.

    Subscription Creep

    Take a look through your bank statements over the last three months.

    Streaming services.

    Apps.

    Magazine subscriptions.

    Gym memberships.

    How many are you genuinely using?

    Cancelling just two £15 monthly subscriptions releases £360 every year.

    That’s money you probably won’t even miss.

    The Loyalty Tax

    Insurance companies, broadband providers and utility suppliers know that many of us simply allow policies to renew automatically.

    An hour comparing prices could save several hundred pounds annually.

    Loyalty is admirable.

    Paying more than necessary isn’t.


    2. The Pension Treasure Hunt

    This could be the most rewarding part of today’s audit.

    Most of us have changed employers several times throughout our working lives.

    Every move often meant joining another workplace pension scheme.

    Then life happened.

    We moved house.

    Companies changed names.

    Paperwork disappeared.

    Those pension pots were forgotten.

    Today, billions of pounds remain sitting in lost or unclaimed pension accounts across the UK.

    Some may only contain a few thousand pounds.

    Others considerably more.

    Why Small Pension Pots Matter

    Finding a forgotten £5,000 pension won’t transform your retirement overnight.

    But it could pay for the holiday you’ve always promised yourselves.

    Help a grandchild.

    Provide an emergency fund.

    Or simply give you more financial confidence.

    Sometimes it’s the unexpected discoveries that make the biggest difference.

    Where Do You Start?

    The Government’s free Pension Tracing Service helps people locate workplace pension schemes linked to previous employers.

    You don’t need account numbers.

    Often just remembering where you’ve worked is enough to begin the search.

    Once you’ve found them, you can decide whether consolidating those pensions or discussing your options with Pension Wise or an independent financial adviser is appropriate for your circumstances.


    3. The Joy Versus Cost Test

    Once you’ve stopped the leaks, it’s time to look at your everyday spending.

    Rather than asking,

    “Can I afford this?”

    Try asking,

    “Does this genuinely improve my life?”

    If Friday night at your favourite Italian restaurant brings happiness every week…

    Keep doing it.

    That’s money well spent.

    On the other hand, I know from experience how easy it is to spend money on takeaway coffees and convenience food when I’m travelling to see business clients.

    Those little purchases don’t feel expensive individually.

    Over twelve months they soon add up.

    It’s not about restricting yourself.

    It’s about making sure your money reflects what’s actually important to you.


    Your Adventure Fund Challenge

    This week I’d encourage you to spend one evening doing three simple things.

    ✅ Review your last three months of bank statements and highlight recurring payments you no longer value.

    ✅ Write down every employer you’ve worked for and check whether you’ve left behind any forgotten pension pots.

    ✅ Add together everything you’ve saved or discovered.

    That figure becomes your personal Adventure Fund.

    You might be amazed how much money has been quietly hiding in plain sight.


    Ropho Reflection

    One thing this series has taught me is that financial planning isn’t really about money.

    It’s about choices.

    Every pound we save from waste is another pound we can spend on experiences, family, travel or simply enjoying life with fewer worries.

    For me, that’s what retirement planning should always be about.


    Coffee Break Question ☕

    Have you ever discovered money you didn’t realise you had?

    Perhaps an old savings account, Premium Bonds, a forgotten pension or simply money you’d been wasting every month without noticing.

    I’d genuinely love to hear your stories because, as Ropho continues to grow, it’s becoming increasingly clear that we learn just as much from each other as we do from any expert.


    Next Wednesday…

    The Waiting Game: Could Delaying Your Pension Actually Leave You Better Off?

    We’ll look at when waiting can make financial sense, when it doesn’t, and I’ll also share some of the excellent suggestions many of you have already contributed.

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