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We spend much of our working lives looking towards retirement as a goal. But actually, retirement is not the destination, it’s only part of the journey – and the harder part can be managing our finances after we’ve stopped working.  Using the analogy of mountaineering, think of working life

It was clear to us from Mark and Lindsay’s Money Wheel that improvement in one or two areas would have a significant impact on their financial life. We started by working with them to create a vision of their ideal life (now and in retirement) . This helped

Mark (57) and Lindsay (55) came to see us in the spring of 2018. They had always done their own financial research but as they’d got older they had become overwhelmed and bewildered with the amount of information available. The result was analysis paralysis. They wanted to regain

Office It was announced on 23 September 2020 that ‘businesses should continue to work from home if they can’. We have demonstrated that this is viable option for us as we adapted fairly quickly to these changes when it all began earlier this year.

You may have seen in the press this month that the minimum pension age is changing. In 2014, the government announced that the minimum age that you can access your personal pension would be increasing from 55 to 57. Until now this change had not been bought into law. An

We specialise in supporting you with your retirement planning, inevitably this means focusing on your pensions. Most of you will already have pensions (perhaps several) and one thing we always check is whether you have completed an ‘expression of wish’ form. As you may know, an expression of wishes form

In last month’s newsletter we introduced you to our new booklet After I’ve Gone.  Some of you have requested this document and we’ve sent them out – we hope that you are finding it useful. This handy little booklet contains EVERYTHING (well, pretty much everything) your loved ones will need

In our April newsletter we shared a free gift from Calm (the mindfulness app).  For those of you that took this offer up, we hope that you found it useful – particularly during the intense lockdown period. Calm’s view is that “neuroscience is discovering new, effective ways to develop our

We were contacted by David’s only child a week after his funeral. He used to be close to Sarah but in the last few years he had become less open about his finances. Now he was gone and she was his executor. There was a mountain of paperwork. Sarah had

Data security is vitally important. In the past we’ve struggled with sending documents electronically. All electronic messages and documents we send to each other should be sent securely. This means encrypted due to their sensitive nature. Actually this also applies to the documents we send each other through the post

To help you plan for after your death, we’ve created a handy booklet to enable vital information to be stored in one place. It’s available for free for anyone who wants to use it. The aim is to give you the peace of mind that, when you pass on, your

It’s been over 9 weeks since lockdown was implemented in the UK. The 23rd March 2020 seems like a lifetime ago for me. A lot has happened since then. The UK government has taken unprecedented action to try and shore up the UK economy. With the job retention scheme and

There’s a been big increase in the number of scams and attempted fraud at the moment. Whilst a crisis brings out the best in most people, there are those who look to exploit the situation for their own gain. Here is some sage advice from the “challenger bank” Monzo on

We live in Strange Times. There’s a lot of uncertainty in the world and it’s causing a lot of anxiety. One thing that you might find helpful is mindfulness. I’ve been practicing mindfulness daily for over a year and a half. Sometimes two or three times a day. It’s had

I’m going to outline what mindfulness is, what the benefits of mindfulness are and how you actually go about doing it. What is mindfulness To understand what mindfulness is we need to have a quick look at the mind. The mind only likes to live in two places: the past