Should You Sell Investments to Pay Off Your Mortgage? A Timing Dilemma
05.03.25
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…
Maximise Your State Pension Before 5 April 2025
04.03.25
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…
“How Much Money Do I Need to Retire?”
25.02.25
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…
It All Comes Down To Two Desires
13.02.25
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…
10 Wake Up Calls That Tell You To Sort Out Your Finances
04.02.25
Have you started getting a feeling that maybe your money isn’t in the best health and that you should really start doing something about it? If so, here are 10 signs…
Why You Need to Know Your Lifetime Priorities
12.01.25
When I first meet with prospective clients the majority of the initial meeting is spent understanding their lifetime priorities. The money takes a back seat in the discussion. This may…
14 Retirement assumptions you may later regret
02.12.24
We make assumptions every day; we have to otherwise we would never get anything done. Most of the time the assumptions we make are either correct or immaterial if they…
10 Strategies for a Successful Retirement Transition
26.11.24
As you approach the end of your career you may be struggling with the decision about whether you retire or not. For some people it’s an easy decision; they are…
Hierarchy Of Spending Needs
28.10.24
If you struggle to prioritise your spending and find you have more month left at the end of your money or you aren’t putting enough away for the future you…
Should You Plan For The Cost of Later Life Care?
14.10.24
For many retirees I talk with being able to manage the cost of later-life care is a top priority for them. I understand why this is the case but with…
If you want to talk to someone who will really listen, enter your details below to arrange a confidential chat.