When we think about working with a financial planner, we often assume the value lies entirely in the numbers or the brokering of a financial product or contract. We naturally expect them to pick the right investments, optimise our tax, and help us generate a better yield. Those technical elements are certainly important. But true …
Am I going to be okay? This is one of the most commonly asked questions. Research in financial therapy shows that we don’t buy products; we buy peace of mind. Underneath every question about fee structures or historical returns, we are actually asking a much simpler, deeply human question: ‘Am I going to be okay?’ …
There is a powerful reminder that often surfaces when life feels overwhelming: You have survived your worst days, and you are stronger than you think. A.A. Milne put it like this: “You are braver than you believe, stronger than you seem, and smarter than you think.” When we apply this simple truth to our financial …
It’s not uncommon to speak with someone who believes that we spend decades of our lives looking forward to the day we can finally stop working. We build our financial plans, calculate our retirement numbers, and dream of a life with no alarm clocks or urgent meetings. This is a common cultural assumption. But what …
It’s completely natural to obsess over the numbers on our investment statements. We track the growth, review our asset allocation, and carefully project how long our capital will last. This is good practice and solid foundational planning, but it’s not the whole story. What if, in all our careful calculations, we are overlooking the most …
It’s so easy to look at our budgets, our financial planning and our risk products and ask questions about what we have and don’t have. But what if, in all this planning and evaluating, we miss a crucial question? What if we don’t simply ask what we have, but remember to ask what it’s all …
We tend to model our lives, and our financial plans, as a straight, uninterrupted line moving upward and to the right. We assume that our income, our capacity, and our circumstances will remain relatively constant, simply growing steadily over time. But life is rarely linear. It is cyclical. It operates in seasons. An accurate graph …
When we sit down to project a client’s retirement, one of the biggest variables we have to account for is longevity. Thanks to modern medicine, we are living longer than any generation in human history. From a financial planning perspective, a longer life means your capital has to stretch further. But there is a glaring …
There is a very specific kind of quiet that descends on a house when the children finally leave. It affects our hearts, but it also affects our financial planning. If you’re in this situation, or know someone who is, here’s a little of the new reality… For a couple of decades, the home has been …
When we sit down to build a financial plan, our eyes are naturally drawn to the summit, not the basecamp. We focus our energy on the big, inspiring goals: retiring with dignity, leaving a meaningful legacy, aiming for financial independence or funding our children’s education. We engineer our long-term investments to weather global economic storms …