In this update: Automatic Savings: The Only Way to Guarantee Your Financial Future It's a simple, undeniable truth in financial planning - saving needs to be automatic, or it simply won’t happen. This isn't a motivational catchphrase; it's a foundational principle rooted in human psychology and the...
In this update: Why Delayed Gratification is Your Financial Superpower As a financial adviser, I have countless conversations with clients about their aspirations. Whether it's buying a dream home, funding a child's education, gifting to family, enjoying a comfortable retirement (often including all manner of unplanned expenditure),...
In this update: Navigating the Unknown: Why Market Uncertainty is perfectly normal If you have followed these posts for a while, you’ll have noted I have addressed the fundamental reality that all investors must eventually embrace – that is that uncertainty is not just a temporary...
Welcome to Retirement So, you’ve worked hard and saved £500,000 in your retirement pot! Congratulations, that’s no mean feat! But there’s a problem. We can often identify with the allure of such a large sum of money and can be persuaded to think we have won...
In this update: The Paradox of Investing: Bad Months and Good Years Compounding is hard because a bad month can feel longer than a good decade. Morgan Housel This simple observation captures one of the most challenging psychological aspects of investing - our skewed perception of time during...