An idea for those still accumulating their assets

A useful tip for those still accumulating their assets is simply to count how many years you have until you plan to retire and then multiply it by 12. Why is this important? Because it will tell you how many pay checks or monthly investment periods you have left until you retire. This is usually...

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The Gell Mann Amnesia affect.

Have you ever read a newspaper or other media/social media article about a subject that you know really well? The chances are that you found some errors in it or even that you found it misleading. The journalist that wrote the article appears to know little about the facts or issues. In our case, we...

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The problem with some Workplace Pensions

We have noticed a common feature on many workplace pensions commonly referred to as ‘lifestyling’, but different names are sometimes used. Lifestyling is an investment strategy chosen as the default option by many employers, the strategy gradually reduces the level of growth assets in the portfolio as people get closer to their normal retirement age....

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Having the right mindset to be a successful investor

Many people yoyo when they think about their investments. At any moment they will think either ‘this investment is great’ or ‘this investment is terrible’ depending on whether the value of the investment has gone up or down recently. Often this way of thinking is a result of either not understanding or not having full...

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The three types of return we provide.

Investment returns. We believe passionately that our clients have the potential to achieve better investment returns by working with us. By following our investment recommendations and the financial/behavioural coaching that we provide. Potential investment returns is the obvious one, we are financial advisers after all. But there are two other types of return, which are...

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Collecting Investments

When we first start working with people, we often find that they have accumulated a number of different investments and pensions, but there is no clear strategy and they are not really sure what the policies are doing for them. The last thing we would ever is judge them or make them feel silly for...

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The Slippery Slope Fallacy and the Illusion of Control Bias

Two things that cause investors to make mistakes: 1.) The Slippery Slope Fallacy 2.) The Illusion of Control Bias It is often the behaviour of the investor that gets them into trouble. Being aware of your biases can help you make better investment decisions. A caring Financial Planner will keep you on track and stop you from making the big financial mistakes.


The Psychology of Money – Morgan Housel

The Psychology of Money - Morgan Housel Timeless lessons on wealth, greed, and happiness

Rich Dad Poor Dad – Robert Kiyosaki

Written by Robert Kiyosaki and Sharon Lechter in 1997, Rich Dad Poor Dad is based mostly on Kiyosaki's young days spent in Hawaii.

Atomic Habits – James Clear

People think when you want to change your life, you need to think big. But world-renowned habits expert James Clear has discovered another way.

Enough? How Much Money Do You Need For The Rest Of Your Life – Paul Armson

How much money do you really need for the rest of your life? Research shows that the majority of people have no idea where they are heading financially.

The One Page Financial Plan – Carl Richards

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they've begged, "Just tell me what to do."

The Investment Answer – Gordon Murray and Daniel Goldie

The good news is that people today expect to live longer, healthier lives. The bad news is that many of us will not have enough money to retire comfortably.

Your life is not about making money,
your money is about making a life