Leaving Uni to be an accountant should have been the career for me. Lots of lovely people I knew then are good and wealthy accountants now. I happened to find it like asking racing drivers to compete, but only allowing them to select reverse and look only through the rear view mirror. I found full forward planning to be just what I enjoyed. For the first 15 years focusing on big mortgages and company pensions, then more recently on personal wealth advice. The key for me was eliminating commission for initial advice. Most advisers still only get paid if a client invests. Maybe they get 5% of the money invested. That is still commission people. To get advice only accept flat fees or you will get sold stuff! Ongoing a % each year is fine as the advice firm carries liability for the amount invested. I do the wealth management advice. It improves clients' lives. I have learned to work with the best teams and pay them all properly. There are so many people better qualified than myself who have key roles in ensuring my clients have great outcomes. Masters degrees in applied mathematics, first class honours degrees in economics etc. People like simple helpful guidance about their investments and finances. My objectives are to understand what each person wants to achieve and likes to do with their time. Once I understand what clients want, my job is to look for the best solution.What are the researchers saying about 2024?The USA might well get a 'soft landing'. Inflation is way down from its peak in the grown up economies. Interest rates should fall through the mid and later 2024. If this happens portfolios should continue to improve. There are obvious headwinds of evident war crimes on all sides in the Middle East and from Russia. These are delaying more inflationary falls, but for how long?