Children are expensive. It’s not a secret and never has been, with the average child costing nearly £250,000 from birth to their 18th birthday. Their wants and needs are satisfied more inexpensively when young. But when they get to their late teens and early twenties those ‘must-haves’ – the first car, the University education and…
Nothing tends to focus the mind like a pandemic. It puts everything in perspective, and suddenly makes you wonder whether your existing estate planning arrangements are as effective as you originally thought they were? All in all, a review is in order. So, what should you be looking out for? These are the main areas…
Behavioural finance is the study of how human behaviour, driven by emotions and sentiment as much as rational decision-making, affects how we act in relation to our investments and financial decisions. Whilst there is clearly underlying rationality to financial markets and how assets are priced, the human element must be considered as part of this…
Valentine’s Day is all about romance. Or, if you are more cynical, the commerce of romance. Buying flowers that are double the price they were last week, presents to show just how much you love someone – and the more you spend the more you love them. Apparently! Romance and attraction can only take you so…
Intergenerational wealth preservation and succession planning are always hot topics when we speak with clients. The ability to protect your estate for the benefit of your family is always a key planning priority. Estate planning ensures that no beneficiaries go without, whilst enabling protection from the external factors which impact intergenerational wealth transfer. That is…
Every year, the average person spends over 100 hours commuting to and from work, 2,500 hours at work and, believe it or not, travelling 8 miles a year on an office chair. The reason that these statistics are so important, is that so many people are concerned with when they are financially independent and can…
