We spend most of our time having conversations with people who are 40+ about saving for retirement. However, the language and expectations are slowly starting to shift in a powerful and exciting direction. Instead of only talking about retirement, we’re starting to use words like financial independence. And rather than focusing on traditional milestones, like […]
Category Archives: Blog
A wish is not a plan
It’s said that hindsight is 20/20. Whilst we can not always predict what will happen in the future, it’s often easier to see how we could have done things differently when we already know the outcome. But wishing we’d done things differently is not the same as having a plan in place. And wishing things […]
How to talk about money
“I love talking about money with my family!” said no one ever. Most of us will agree that there is more to life than money, but regardless, it’s very important for most of us — especially when we feel like we do not have enough. Money can become a consuming focus that leaves us feeling […]
Are old investment truths still relevant?
In a recent podcast on the Allan Gray Podcast with Dan Brocklemank, head of Orbis UK, he reflected on how humans are NOT designed to be good investors. Our natural instincts very often pull us in the exact opposite direction to what we need to be doing in order to be good at investing. Our […]
When last did you review your medical cover?
For so many people, a financial plan is something they simply “set and forget”. Once it’s in motion and all the cogs are turning, they might go years before intentionally reviewing their full risk and investment portfolio. One of the oft-overlooked elements is medical cover, and this can become a serious risk when time has […]
Life after work
We spend months or years preparing for many significant life events. The first for many of us was the build-up to going to ‘big school’. Our three-, four- and five-year-old selves grew increasingly excited, right up until the day school started and then there was an overwhelming flow of emotions that may have been more […]
Living to 100…
So many things have changed in the last four decades, and yet so much has stayed the same. Financial planning has become an entire profession and is no longer just a bunch of salespeople selling insurance. It’s evolved into a profoundly nuanced practice, and those of us who are continually advancing our professional development are […]
Why do we become people pleasers?
We all have reasons for doing things. It might be because we’re sticklers for following rules, or perhaps we avoid difficult situations and emotions by constantly focusing on the positives. Maybe our motivations come from a restless spirit or a drive to keep control and order – but for some of us, we become people […]
The hidden costs of credit
As 22seven recently published on medium.com, “Always think twice before you buy something on credit or take out a loan.” Here’s the thing to remember with credit – it’s just a nicer way of saying that you’re spending money you don’t have. In other words, you’re using someone else’s money to fund your current lifestyle. […]
Pop that balloon… or let it go
A balloon payment (also called a residual value) is quite simply an amount of money that is still due after you’ve finished paying your monthly instalments. The goal of structuring a loan with a balloon payment is to make it more affordable on your current cash flow, making it very attractive. They are ideal for […]