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…
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Read the latest news and thoughts from Andrew.
It’s OK to Spend Savings in Retirement
18.03.25
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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…
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…
Fear and Opportunity: What the Rise of AI Means for You and Your Money
24.01.25
The pejorative term Luddite, derived from Ned Ludd, an 18th-century weaver, originally referred to textile workers in 19th-century Nottinghamshire who vandalised machinery out of fear for their jobs and livelihoods….
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…