Do I pay off the mortgage quicker - or invest? One of the most common questions we hear is: “Should we throw extra money at the mortgage, or invest it instead?” For many families in their 40s, this tug-of-war is the [...]
Having the best of intentions or the perfect plan is not enough. There needs to be action to have any chance of success. I was reminded of this three times recently. The first one was where some new clients received an [...]
A few weeks ago I was given a blunt reminder on how important it is to make the most of your life and prioritise your health. At the end of February I lost a good friend who was taken way too [...]
Happy New Year! Last year was good, but here’s to hoping this year will be the best one yet. While 2024 was a good year, it could have been better. By the end of the year, I felt burnt out. My [...]
I met with new clients recently, and they said we didn’t need to go through the goals part because they just wanted to “make the most of their money”. That’s great, but having goals is a good way to focus attention on [...]
One of the first things we do with clients is get a picture of where they are. There are 10 key areas we believe are critical to achieving financial independence. In this article I will go through the first five. Have [...]
Financial independence means different things to different people. A broad definition of it is when an individual (or a couple) has amassed enough resources, typically through savings, investments, and passive income streams, to sustain their desired lifestyle. There are typically three [...]
I recently went camping, where I was off the grid for a few days. Not long enough, but better than nothing. I couldn't help but reflect on how similar camping and investing are. Plan carefully: For starters, both camping and investing [...]
Achieving financial independence is easier than most people think, but there are several common mistakes people make. Over the next few articles, I will share some real-life examples that help people address the most common mistakes people make. In my previous [...]
