estate planning

When life happens

It is an unfortunate misconception that the best time to find a financial adviser is once you have accumulated your wealth and are contemplating retirement. In fact, nothing could be further from the truth. Almost every significant life event has… Read More ›

Mind over matters

As improvements in medical science and technology allow us to live longer, incapacity – both physical and mental – is becoming a growing local and global problem. Contrary to popular misconception, dementia is not a normal part of aging, but… Read More ›

The next chapter

The retirement life stage, whichever way you choose to structure it, can be an incredibly stressful time for those experiencing it. In the 1960s, psychiatrists Thomas Holmes and Richard Rahe developed a scaled list of 43 of the most stressful… Read More ›

Cause for concern

In tough economic times, those in already-tenuous financial positions can experience heightened anxiety which in turn can intensify financial tension between couples and other members of the family. Whilst most people tend to worry about money from time-to-time, there are… Read More ›

Fee-based advice is best

Fee-based financial planning practices are relatively new entrants in the financial planning arena, having made their appearance within the last fifteen years or so. The move towards charging a professional fee for financial planning advice has gained momentum, and there… Read More ›

What if?

I don’t need a financial plan – I have policies in place. This is a common, albeit misguided, response by many when probed on the all-important issue of financial planning. Ironically, the existence of these so-called policies – invariably sold… Read More ›