Category: SFP

If you are considering a review of your last will and testament, or your estate plan or trusts – here are some words on which to brush-up. Terminology can help us bring clarity to our final wishes, but it can also completely confuse us. Whilst we always recommend working with a qualified professional when drafting these documents and final plans, we also want you to know as much as possible to make informed and intentional decisions. […]

In a recent series of blogs, we have looked at areas in our personal finances where we can either tighten our belts or simply become more aware of how and why we are spending our money. Our first blog considered how to trim the fat off our travelling expenses. With lockdowns in both our review mirror and on the road ahead, lifestyles have changed, and our behaviours have changed. With these changes come changes in our […]

If there’s one thing we need to ensure when creating and reviewing our last will and estate plan, it’s that accurate and complete information is critical. The more clarity we can bring to the documents and the legal processes that rely so heavily on them, the greater our peace of mind. Whilst not all financial advisers are qualified to draft or execute a last will and testament, they can assist with estate planning. It’s always advisable […]

Your last will and testament. A legally binding document with an ominous-sounding name, but wills don’t need to be all that doom-ridden. Most people know that it describes how their possessions should be distributed after their passing. So, what’s the big deal if it would all get split equally anyway? Well, it doesn’t always work out that way. Protect unmarried partners For starters, regardless of how long you’ve been together, unmarried partners aren’t entitled to anything […]

Finding ways to spend less money is one of the most difficult aspects of personal finance. One of the most effective methods to do this is to reduce monthly spending. Even if some of the savings are insignificant on their own, the cumulative effect of several saves over time can be considerable.  The trick is finding the right areas to cut down on, the last thing we want to do is cancel a risk policy that […]

As investors, we can have a multitude of reasons for wanting to invest. It comes as no surprise that many investors will occasionally have similar reasonings – giving rise to trends. This can be attributed, in part, to a phenomenon known as herd instinct, where people follow the actions of others under the assumption that the others have already done their research. It doesn’t help the fact that our hyper-connected society shares information, speculation and memes, […]

Many consider money to be a private or taboo subject. All too often, we will put on a brave face and bottle up our feelings and frustrations. Leaving bills unopened, avoiding phone calls from creditors, and ignoring bank and credit card statements are the signs of someone in denial. Not talking about your problems will only make them worse.  Stress affects our relationships, our overall quality of life and our mental and physical health. Several studies […]

Lockdown left many of us sitting idle. Work-from-home, curfews and social restrictions prevented us from setting out and about in the town. However, many people were surprised to find out exactly how much they were saving by not travelling to work every day during this time. Now, as things are opening up again and it’s back to the daily commute, we need to ask ourselves – how much can we actually save on travel? The best […]

Who do you go to when you need advice? Who do you go to when you need help? We have found that the answer to the first question is often: Someone I trust. And, the answer to the second question is: Someone who is an expert. When it comes to the financial world, we need both.  Personal finance has become increasingly complex. With so many different flavours of financial products on the market, it’s no wonder […]

In the tale of Rumpelstiltskin, a miller’s daughter strikes a deal with a fairy-tale creature to create immense wealth; however, this comes at the cost of her future firstborn child. When the imp comes to collect the debt he is owed, she manages to luck out and discover his name, Rumpelstiltskin, the only loophole through which she was able to void her contract. But if she was not willing to sacrifice her child, why did she […]