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Over the weekend, I competed in a three-day cycling stage race. On the second day I got caught in a crash in the peloton and had to withdraw due to injury. My bike took a beating but thankfully it’s insured for competitive use. Crashes are part of racing. Often they happen without warning […]
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Every now and again I meet someone at retirement age with little to no savings or investments, their wealth tied up in their house. Reality has hit home and it’s not pretty. At this stage there’s little can be done – downsizing may not be feasible, and living on state pensions alone does […]
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Running a business can be lonely. Caught up in the daily grind, it’s easy to lose sight of our potential. Both personally and professionally. Often, we need someone else to recognise that potential and call it out. As a keen amateur cyclist, I train six days a week and compete in Masters gravel events. Earlier […]
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For many business owners, a large portion of personal wealth is tied up in the business and commercial property. As your company grows, so does your net worth. But relying too heavily on a single asset class, even one you know inside and out, exposes you to significant volatility. By extracting profits tax efficiently and […]
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Business owners, your company is your legacy—but is it protected? My grandfather co-founded Oatfield Sweets in 1930, growing it from a garden shed to a global brand. When he passed in 1972, his planning ensured his family’s financial security. Many entrepreneurs focus on growth but overlook planning for the unexpected. If you pass away suddenly, […]
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Many business owners chase a magic number, thinking, “I’ll be financially free once my business hits £X in revenue or when my annual dividends hit £x.” But here’s the reality: earning big doesn’t guarantee wealth. I’ve seen entrepreneurs take hundreds of thousands in personal income each year yet still feel trapped—because they spend too much […]
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We all get the importance of saving for the future—building that nest egg, planning for retirement, and securing your financial dreams. But there’s another side to the coin: enjoying the present. When I joined the family firm in 2001 I recall my dad sharing a story that has stuck with me ever since: A woman […]
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New clients in a couple of weeks ago. Business is great and they’ve just agreed the purchase of their dream home. They enjoy a great lifestyle but there is a nagging fear that it might not be sustainable down the line… Tom was emotional as he told me about his father losing everything in business […]
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Swedish ‘death cleaning’ has gained popularity in recent years among folks who need some added structure to guide their spring cleaning. The idea is to approach decluttering with mindfulness about the mess you could leave behind for your loved ones if you don’t get your stuff in order. Of course, boxing up donations and filling […]
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What is Your Premortem for 2025? As you think back on 2025, why was this your worst year ever? That’s not typically the thought exercise we go through when preparing for a New Year. But one possible reason over 90% of people fail at their New Year’s resolutions is that they haven’t thought […]
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