You may have some spare money some surplus income. Either way, you might be thinking about what is best to do with this. Is it better to invest or repay your debts early? Paying off your debt could mean means reduced stress, and a greater ability to withstand personal emergencies, recessions, and depressions. Investing means
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Educated guesses are key to financial planning. No matter how diligent we are when gathering information about a client, financial planning is about the future, not the past. As such we will need to make some “guesses, or assumptions, about what will happen in the future. Whilst these guesses need to be as educated as
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2020 has put our ability to survive financial shocks to the test. However, for many, the financial implications of the pandemic have not been as bad as they could have been. This is thanks to the government’s support schemes. Other than being unable to work, the biggest causes of financial emergencies are cars, properties, family
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First-principles thinking helps reverse-engineer complicated problems. The idea is to break something down to its base elements. We can then reassemble them from the ground up. This approach was used by the philosopher Aristotle. Elon Musk and Charlie Munger are among those who use it now. It allows them to cut through the fog of
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A survey of 2,000 people reveals we spend 110 hours a year think about what might have been. Eight out of ten believe their lives would be better if they had taken more risks. The most common regrets were: Not saving more when younger Not keeping in touch with old friends Not taking the plunge
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If you want to make better decisions with your money, we can help. However, working with us is not for everyone. We help our clients take the necessary steps to get the most out of their money. There are some things some expect from us which bear little relevance to what we do. Some of
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To be in control of your money, you should have a plan for what you spend. This allows you to give each pound you make a purpose. Although this may seem like a lot of work, it is key to lasting financial success. A good spending plan will help you take each financial step as
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Getting the most out of life can be like climbing a mountain. The goal is to reach the peak and hoist up your flag. The journey will be challenging, so you need to be passionate about it. Most financial plans involve investing and markets always have difficult periods. It is essential to have something to
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We can get the answer to just about anything in a few clicks. However, the difference between getting a solution and the one which is right for you can be huge. This difference is where the value of good advice is. The truth is everybody would probably benefit from financial advice in some way. Saving
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Lifetime financial planning done correctly has to include a fluid financial forecast created using sophisticated planning software. We take a snapshot of your financial situation and project this forward year by year. The process is only as comprehensive as the information we put into it. The more information we put in, the better the output. The
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Financial planning is key to resolving worries about money. It may be useful to think about financial planning in terms of some common concerns: Will we be able to support our current standard of living in retirement? Can we manage financially if one or both of us needs long term care? What happens to my
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