Matt is a seasoned investment professional with over 20 years of experience across investment management and financial planning, including 15 years at Vanguard – one of the world’s most respected asset managers.

While there, he worked with some of the most sophisticated investors in Europe, including global private banks, insurance companies, pension schemes, and sovereign wealth funds. He was responsible for a £40 billion book of business – the largest in Europe.

He qualified as a financial adviser at the age of 24 and has spent much of his career partnering with financial advisers – primarily in the UK, but also across Europe, the US, and Australia – helping them improve outcomes through better portfolio construction and evidence-based investing.

This rare combination of experience – advising some of the world’s most sophisticated institutional investors and working first-hand with thousands of financial planning firms – gives Matt a uniquely broad and deep perspective. He has gained a clear view of what works in investing, and a rare, inside-out understanding of how advice is delivered – and what truly drives long-term success.

Through this experience, he developed strong conviction that the most effective financial planning is aligned to client values, simple, evidence-based, and built around planning – not products. He has also developed equally strong convictions about what detracts value: high fees, unnecessary complexity, and advice built around selling products.

He co-founded &together to put those beliefs into action – creating a firm built on true alignment, and focused on delivering world-class outcomes.