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2019 has been quite a year and here at Proposito Financial Planning we’re all really looking forward to Christmas. A chance to spend time with friends and family, relax and perhaps indulge and reflect on 2019 as well think about all the opportunities for the new year ahead. It’s important

Oh what a week! This time last year Huw attended a week long training course as part of the process to become a Registered Life Planner. Well, it was such an experience for Huw that it was arranged that I also attend. The 5-day residential course was in Gaunts House

As we approach Black Friday it is worth remembering that if we look after the pennies, the pounds will look after themselves. When it comes to investment fees that maxim is worth its weight in gold. Each pound of fees is a pound off your return. The opposite is also

Many of our clients know that Huw’s daughter does a bit of gymnastics. This summer she had an exciting adventure… My Sochi Adventure – Eirlys Jones If you stand outside my house very early on any Saturday morning, you will see me jumping into my mum’s car with a large

Actually it’s Time in the Market that’s important. As you know, our invest philosophy is index tracking. That means rather than use a fund manager to determine what to buy and when to buy it, we just track the market average. This approach to investing has three significant benefits. The

You may have noticed over recent weeks, months and years that both Huw and Russ have been expanding their brains and adding additional qualifications and experience to their CV’s. Huw is now a Registered Life Planner® and a qualified coach, specialising in money coaching and helping business owners to overcome

Over the course of a summer, it’s not unusual for the stock market to be a topic of conversation at barbeques or other social gatherings. That is, once the inevitable Brexit discussion has been put to bed (or banned). A neighbour or relative might ask about which investments are good

Are you saving enough to live the life you want in retirement? It’s an important question, especially for younger people who face the prospect of waiting longer to receive a state pension income. Automatic enrolment into a workplace pension was introduced to encourage more people to make their own provision

How much will you spend in retirement? It’s an important question when you’re planning for the future, as the cost of living in later life can make the difference between having enough and running out of money. According to some new research, higher than expected living costs in retirement are

It’s an awkward financial position when you have more month than money. Running out of money before the end of the month typically leads to a cycle of debt. Without a robust budget, and the ability to live within your means, this debt can grow beyond manageable levels. But what

This year marks the 90th anniversary of ‘votes for women’. Society has come a long way during this time in terms of women’s rights, however financial inequality is still one of our greatest social challenges. Research suggests the typical pension pot for a man currently aged between 25 and 34

The Proposito Team were super-excited about our annual trip to the Minety Music Festival. Now in its 3rd year it ran from Friday 5th to Sunday 7th July 2019. As in previous years the team decided to camp with their families to maximise the fun. This year was our first

Succession Planning is one of the biggest challenges facing Family Business worldwide today. Over the past 40 years or so there have been some significant advances in how advice is given to families in business, and yet we still see statistics and studies that show that, in general, succession planning

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

Here are a few frequently asked questions that we have answered for our clients using Filehaven.   Why can’t I just send a normal email?  Any personal or sensitive information that we send you must be secure.  Email is not secure and we value your privacy. This is to protect