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Life Centred Financial Planning

Three Overlooked Keys to Being a Successful Investor

Posted by Andrew_Smith on Tuesday 19th of November 2019

Does investing strike “fear” in you? We once heard somebody say the word “fear” stands for “False Evidence Appearing Real.” That seems to apply to investing. Here’s why.

The stock market makes some people nervous. This can be especially true for young people who grew up during the Great Recession. Not only did these people see market volatility at its worst, but they also came away with negative impressions about the financial markets in general.

The truth is that the market is neither a one-way ticket to instant riches nor a dangerous gam...


The Purpose of Money is NOT Just to Make More of It

Posted by Andrew_Smith on Friday 23rd of August 2019

Imagine that you’re living in a tent on an open plain.

 One day you plant a tree. For the next 40 years, you water it. You protect it from harsh weather and animals. You never pick its fruit. You don’t climb it for fun. You don’t take a break and rest in its shade. You don’t even cut down some branches to build a house. You never go anywhere or do anything else because you’re focused solely on growing that tree bigger and bigger.

 Finally, one day, just after your 65th birthday, the tree stops growing.

 You look up at its enormous trunk a...


As part of our Life-Centred Planning process, we’ve talked about how market volatility is a normal part of investing. We’ve also discussed how we’ve structured your investments to “weather the storm” and maintain a comfortable level of income for you and your family during turbulent times.

But we also understand that even when you are armed with this knowledge you can get nervous during a market dip. What’s important is that you know how to prevent that initial wave of negativity from leading you to rash decisions that could damage your nes...


The extra freedom granted by the pension changes introduced in April 2015 is good news for all pension savers. However, the increased options could lead to many people making the wrong decisions and paying unnecessary tax, making professional financial advice all the more important.

In the event of your death, the money and estate that is left behind for your loved ones may be subject to tax and the amount of tax they may have to pay can be quite complex to work out. The government have provided the table below to give a bit more of an unde...