Each year we donate our Christmas card budget to a local charity instead of sending out cards in the post. For the last two years we have...

With more than slight trepidation I have started planning my first book! Over 15 years of advising clients I have become aware of a real...

I can’t claim to know much about any particular religion, I didn’t attend church as a child and my lasting memory of RE lessons at school...

One of the key factors feeding our ‘inner spirit’ is our sense of community. Being part of a community, in whatever form it takes, can...

I snapped this picture while out on a soggy run with the dogs this morning. It got me thinking about our goals and ambitions and how they...

Client A currently owns a healthy buy to let portfolio with a large amount of equity and good net income made each year. He is selling...

Jack & Jill wanted to buy their first home together, but Jill was finishing her studies at University and didn’t yet have any income. So...

I have heard this story a few times of late, most recently on re-reading Stephen Covey’s ‘First Things First’….. A teacher stands in...

One of the concepts Covey et al explore in First Things First is that of the four human needs. They describe the following basic needs in...

It is hard to believe it will soon be 2016, this year has flown by quicker than ever and I haven’t got around to updating this blog as...

In his 2014 Reith lecture Series, Dr Atul Gawande explores the nature and progress of failure in medicine. I listened to the lectures on...

My first experience of Independent Financial Advisers was what ultimately led me to a career in Financial Planning. Not because the...