More and more wealthy families are starting to create a “Family Constitution”. We are assisting a few clients with setting this up as it fits in perfectly with the planning we do with/for them. A family constitution, also known as a family charter or family governance...

The term “financial planning” means different things to different people, whether advisers or clients. Unfortunately, this means that many people think they are giving and getting great advice, but in reality, they are not. Some advisers see themselves as asset...

Retirement is a journey, and like any journey, it is marked by distinct phases, each with its own set of challenges and opportunities. Understanding these phases can help retirees prepare for the transitions ahead and make the most of their retirement experience....

This past weekend, we took our grandson on his first camping experience. I had been looking forward to these few days with great anticipation, as being outside in nature is my favourite pastime, and sharing this with him and the rest of the family promised a special...

Investing is like steering a ship through both calm and stormy seas. When we talk about permanent loss in a well-diversified portfolio, we’re essentially discussing the impact of our human decisions on our financial journey. Instead of seeing it as a big problem,...

Planning for retirement can be tricky, and understanding the most common mistakes can help individuals avoid potential pitfalls. Professionals in this field have shared the top 10 things people often get wrong about planning for retirement, ranked in order of their...

Navigating the intricate landscape of personal finance can be akin to a journey without a map. The real cost of financial planning advice lies not just in the fees paid for professional guidance but in the stark contrast between a well-structured plan and the...

Wise words from Morgan Housel Morgan Housel is an ex-columnist for the Wall Street Journal, a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, and winner of the New York Times Sidney Award. In 2022, MarketWatch...

We are in the middle of end of year festive season, sometimes called the silly season. Furthermore, in the financial services world, it is almost time for the silliest season of all, that of predicting what the markets will do over the next 12 months.                ...

Deciding when to retire is a massive decision we will all face one day. Apart from preparing ourselves for the lifestyle changes that come with stopping work, we must also make some decisions about our retirement investments. One of these decisions is choosing a life...