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The 4 Money Scripts We All Picked Up as Kids

Financial Planning

The 4 Money Scripts We All Picked Up as Kids (And that are probably still running your financial life today) 1. Money Avoidance Core belief: “Money is bad, dirty, or the root of all evil. Wanting more makes you a bad person. Rich people are greedy.” What it looks like as an adult: Under-earning on purpose, […]

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Honouring Legacies

Legacy Planning

  True wealth extends far beyond investments and  balance sheets – it’s as much about the stories we leave behind and the wishes we honour.  This time last year I headed to Belgium to compete in a bicycle race.  Before I left, I  mentioned the trip to one of my long-time clients during a routine […]

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Smart, Sustainable Giving

Charitable Giving

When it comes to giving a lot of people freeze and never get started, worrying about motives, efficiency, or simply where to begin. There is no single “right” way to give. The best approach is the one that aligns with your values, fits your cash flow, and turns giving into a repeatable habit rather than […]

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Financial Planning, Pensions, Retirement

Last week, I had the privilege of guiding a young couple through a comprehensive review of their financial trajectory. By analysing their current financial habits, I illustrated where they would stand in 10 to 20 years if they continued their current spending patterns without strategic adjustments. I then introduced a strategy of extracting surplus cash […]

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“Dad, how do I buy bitcoin?”

Financial Planning

  On Friday, as we were getting in the car, Tobin asked, “Dad, how do I invest in Bitcoin?” Not what I was expecting on the way to tennis! We spent the journey talking about: • What an asset is – things you own that can grow in value. • Why time horizon matters – […]

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No One is Coming to Save You

Financial Planning, Retirement

  April 2008, the global financial crisis unfolding and in much need of headspace I set off on my motorbike for an adventure in Morocco. A few days into my ride I headed off-road from Midelt to Lac Tislit. Not far along, the track dropped down a steep slope. Once I committed to that descent, there was […]

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Use Your Money as a Tool for Better Health

Financial Planning

Use Your Money as a Tool for Better Health On Sunday my dad is boarding a plane to Lithuania. It’s not a holiday, it’s for a knee replacement! It was an easy decision for him – he still has the energy and enthusiasm to live life fully, but pain has made even small things – […]

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Invest for the memory dividend 

Financial Planning

Invest for the memory dividend  This week our family came together in Donegal to celebrate the 50th wedding anniversary of my parents. We had a blast.  Perfect weather. Sea swimming. Tennis. My son got a fish with a speargun.  We watched dolphins playing in the bay.  The kids cajoled their grandfather into an early morning […]

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When It’s Time to Prioritise Your Values Over Security

Financial Planning

When It’s Time to Prioritise Your Values Over Security Ideally our businesses and careers are both rewarding and fulfilling. But if your day to day work is draining you of energy, clashing with core values like family time and health, then it’s worth seriously considering a pivot. Last week I caught up with a friend who’s […]

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