About

Matthew Lynch is a Chartered Financial Planner and author of Capital at Risk, a series of papers and technical work on capital risk — its structure, where it concentrates, and how systems fail under pressure.

Across his career, he has advised private clients across retirement, investment, estate and intergenerational planning, working alongside investment managers and clients' other professional advisers.

His earlier work included founding an independent advice practice, building a wealth-management division within an established pensions group, and coordinating the affairs of UHNW families in a multi-family-office environment.

He holds the Advanced Diploma in Financial Planning (APFS), the EFPA European Financial Planner™ qualification and the Accredited Behavioral Finance Professional™ designation (ABFP®). He was the first person in the United Kingdom to earn the ABFP® designation.

Capital at Risk is arranged as a cumulative argument. Volume I examines the architecture of risk. Volume II moves closer to practice: ownership, wrappers, liquidity, family governance and the boundaries between professional mandates. It also develops the Self-Governed Family Office (SGFO), a framework for families whose affairs require coordination without establishing a conventional family office.

Capital at Risk is independent research. The views expressed are Matthew's own.