
Financial scams are continuing their rise in the UK, and they affect people from all walks of life. For those starting or in retirement, the risks are greater because losses…
Financial scams are continuing their rise in the UK, and they affect people from all walks of life. For those starting or in retirement, the risks are greater because losses…
When we think about retirement risks, stock market crashes and inflation often come to mind. But one of the most significant and least understood risks is something called sequencing risk…
Have you ever gone through that exercise whether verbally with someone else or in your head, where you work out how you would spend a lottery win? My wife and…
My clients regularly tell me they’re “not extravagant” or they “live frugally”, which I can understand; they might live in a modest home, drive a sensible car, and holiday within…
When I ask clients and prospective clients why their money is important to them it is usually because it provides freedom and financial security. In other words, they want to…
Don’t worry, it’s OK to spend savings in retirement, but it does come with a caveat. If you have been diligent during your working life you will have built up…
Many mortgage holders find themselves in a familiar bind with mortgage rates rising and investments feeling the impact of global uncertainty. You’ve built up investments with the plan to clear…
A reminder for anyone who doesn’t currently qualify for the full State pension: if you have gaps in your National Insurance (NI) record between 6th April 2006 and 5th April…
I’m often asked “how big does my pension need to be?”, or words to that effect. A simple question to which a simple but not very helpful answer is: It…
When planning for retirement, every financial decision, whether about spending, saving, or investing, is shaped by two fundamental desires: financial security and financial freedom. Financial security is the need to…
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