This 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’ve advised a number of teaching professionals over the past 18 months who are approaching their normal retirement date, considering retiring early or accepting a voluntary redundancy. Their main concern tends to be uncertainty about the future and the impact of their decision to leave employment on their financial future. That’s where we come […]
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 […]
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 […]
View ArticleSome of you will already know that I recently attained Certified Financial Planner status. I am one of ten individuals in Northern Ireland who hold this designation. It is the only globally recognised mark of excellence for Financial Planners and approximately 1000 of us hold the qualification in the UK. The Chief Executive of the […]
View ArticlePeople who make bad money decisions can often rationalise them. Here are 10 common excuses. Human beings have an astounding facility for self-deception when it comes to their own money. We tend to rationalise our own fears. So instead of just recognising how we feel and reflecting on the thoughts that creates, we cut out […]
View ArticleI have a number of clients who are in the teaching profession and have retired early or taken voluntary redundancies over the past couple of years. If you are in the same position or have friends or family members wondering whether they can afford to take a voluntary redundancy please put them in touch with […]
View ArticleI was listening to BBC Radio 4’s You and Yours yesterday on the way to a physio appointment (O the glamour). Appearing on the show wasLee Hendrie, a premier league footballer who went bankupt in 2010. He lost £10 million on property deals and was left with debts of around £1 million. It is so […]
View ArticleI was asked on Friday by a trade magazine to expand on one of the case studies from our website. I’ve edited it for this blog post (Real names have been changed). Rob and Catriona are typical of many young couples I meet, enjoyig a high standard of living and little to no planning for […]
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