Extravagance Is Subjective
08.04.25
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…
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Extravagance Is Subjective
08.04.25
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Is The World On Knife Edge? Are We Doomed? History Suggests Not.
01.04.25
The past five years have felt like a whirlwind: a global pandemic, war in Ukraine, a cost of living crisis, and increasingly polarised politics. Like taxis on a cab rank,…
12 Things To Do NOW To Not Run Out of Money in Retirement
25.03.25
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…
It’s OK to Spend Savings in Retirement
18.03.25
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…
What Beast Games Teaches Us About Money, Behaviour and Morality
11.03.25
My children and I have recently finished watching Beat Games and loved it. If you aren’t aware of it, it’s a reality show hosted by YouTube sensation MrBeast (if your…
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…
In Memory Of Stuart Knight (A Salient Lesson)
07.02.25
I was deeply saddened to learn of the passing of fellow Financial Planner, Stuart Knight, this week. His death at just 59 is both shocking and a stark reminder that…