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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Are Your Opportunity Costs Hurting Your Return on Life? If you turn right at a junction to take the scenic route, then you don’t turn left and head straight home. If you have dinner at your favorite pizza restaurant tonight, then you don’t have dinner at your favourite sushi restaurant. If you […]
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Look at the Big Picture Market volatility can make anyone nervous, especially in our always-on, 24/7 news cycle. When I started my career in financial services back in 2001 average investors typically checked in on their accounts once or twice a year when their investment providers sent paper statements. As for the FTSE […]
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Fear of Investing When you make any investment, you’re taking on risks. That’s why many folks who are skeptical of the markets think Wall Street is just a big casino where the house always wins. Because they’re worried that their investments won’t pay off, they prefer to “play it safe” by keeping most of their […]
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Become a SuperAger for a Higher ROL Northwestern University’s SuperAging Study defines a “SuperAger” as a person in their 80s whose cognitive function is comparable to an average middle-aged person. These are the “sharp” seniors who keep learning, keep growing, and keep adapting to whatever life throws at them. SuperAgers also lose brain matter at […]
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Ensure Your Life Wishes Are Granted Through Effective Estate Planning Legacy planning is often the last piece folks tackle in their financial planning, because it’s the least appealing to think about. Planning for a robust nest egg that will keep you safe, secure, and fulfilled when you stop working? Fun! Deciding what to do […]
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