The positive impact of lower inflation
We appreciate investors are faced with some difficult decisions, particularly with cash and fixed interest investments expected to offer low returns for some time. However, we encourage them to view…
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“Back of the envelope” financial planning
Making financial decisions based on what others are doing can be dangerous My children and many of their friends are now at the age where they are making very important…
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The “retirement spending smile”
Retirement spending shown to decrease with age We have written a lot about the pattern of retirement spending, with “Will spending remain constant in retirement?”, from 2013, and “How much…
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How much do I need to retire, revisited?
The “Rule of 25” sets a daunting target, for many When we talk to prospective clients who are at or close to retirement, one of their inevitable questions is “Have…
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Financial Independence: a worthwhile financial planning objective?
Clearly, financial independence isn’t important for everyone “Financial independence” is achieved when you have sufficient net investment wealth to support your desired lifestyle indefinitely, without the need for earned income…
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“For those with taste, not just money”
A tasteless ad that may be loose with the truth The title of this article is the “headline” for an advertisement for the 2012 Jaguar XJ and XK that recently…
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How does your “Personal Financial Scorecard” look?
A picture paints a thousand words… Our recent article, “What is “The Value of Financial Planning”?”, introduced a number of key metrics that we monitor to assess clients’ progress toward…
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