It’s a challenge to make a blog post on pensions interesting but I’ll give it a shot! Defaqto, who provide independent financial research, recently surveyed people under 35 years old and found that less than half of them had a pension of any type. In a previous study carried in 2010, Defaqto found that 44% […]
View ArticleWhen the Sopranos first aired in the late 1990s I was a student in Belfast and watched it every week until I graduated and left Belfast in the middle of the second season. It might have taken me 11 years but I’ve finally arrived at the fourth season. The first episode, “For all debts public […]
View ArticleFinancial Planning, Inheritance Tax Planning, Investments, Legacy Planning, News
Found this video online – real people talking about their worst financial mistakes and what they wish they’d done differently. Well worth the 3 minutes it takes to watch.
View ArticleFinancial Planning, Investments, Market Commentary, News, Pensions, Retirement
A friend’s recent blog post resonated with my own thinking on how we spend our accumulated wealth. Often I meet wealthy clients with a very healthy and easy relationship with their money – it doesn’t have a hold on them. Other clients are afflicted by worry and a desire for more even though they want […]
View ArticleMany of us will insure what we own, from our car and TV to the family dog. Very few think to insure the cornerstone of their lifestyle – their income. Why bother protecting your income? Without it all your financial arrangements and plans will likely fail. Insuring your income is a keystone of most financial […]
View ArticleRead a great article the other day by Ian Cowie of the Daily Telegraph. It touches on a very real issue for most of us. Many people assume that retirement is so far down the line that they’ll be alright in the end and their state pensions will suffice. Really? Not that easy to maintain […]
View ArticleRecently I met a couple who became new clients a month or so ago. At the end of our last meeting I told them that since I’d really enjoyed working with them I’d like them to introduce their friends to me. Genuinely good people usually hang around with other nice people! This started an interesting […]
View ArticleThis has the potential to be quite a boring post – an exhortation to save isn’t the most scintillating of topics. I suppose that we have a choice: either we spend all our income and enjoy a high standard of consumptive living pre-retirement and consequently scrape our way through retirement or we step back, form […]
View ArticleUnbiased.co.uk recently commissioned a report to see what consumer benefits there are in seeking independent financial advice (Full report can be found here). I was surprised that in Northern Ireland only 17% of the population use an independent financial adviser (IFA). Not many people would say that they are happy with the state of their […]
View ArticleI am increasingly convinced that the majority, if not all of us, have choices to make as to what we do with our money. Money can bring tremendous pressure to bear on a household and a lot of it is self-induced. People are not aware of what’s going to happen when they want to retire […]
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