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Strategic Financial Planning

Don’t Let a Declining Stock Market Lead to a Down Life

Posted by Andrew_Smith on Monday 7th of January 2019

Big red arrows, panicked news experts, and the echo chambers of our social media feeds can make stock market volatility seem much worse than it actually is.

If you’re having trouble keeping a cool head about your own investments, take a deep breath and consider these three key points about market history and the true purpose of your financial plan. Today’s losses might seem scary, but if you can clear your head of all the noise and stay focused on what’s really important, your investments will yield a greater Return on Life.

1. Stock mar...

Making the most of your pension savings

Posted by Andrew_Smith on Wednesday 2nd of January 2019

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Making the most of your pension savings

Thanks to there being no major changes announced to pensions in the October 2018 Budget you can continue to pay into your pension over the next 12 months without any surprises to knock you off track.

This does, however, present a great time for you to review your pension savings. Are you confident you’re saving enough to support the lifestyle you want in retirement? Put simply, a pension is a long-term savings plan which grows over time and provides you with an income to see you through your retire...

The difference between value and growth investing

Posted by Andrew_Smith on Wednesday 2nd of January 2019

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The difference between value and growth investing

 Warren Buffet, sometimes known as the sage of Omaha, once claimed he preferred to “to buy a wonderful company at a fair price”. What he meant by this is when it comes to picking investments, he looks for quality businesses that, for some reason or another, are undervalued by the rest of the market.

Buffet learnt his trade as a student and later an employee of Benjamin Graham, widely considered the godfather of this style of ‘value investing’ and author of one of the most authoritative bo...

How to Make Your Empty Nest Time a Prime Time in Your Life

Posted by Andrew_Smith on Wednesday 12th of December 2018


Time flies when you’re a parent. Just when you’ve wrapped your head around the demands and responsibilities of raising a child, you turn around and your little bundle of joy is ready to head out into the world.

This empty nest transition can be very emotional. And in some cases, like children who stay on your health insurance until age 25, the break isn’t as clean as it used to be. But this change should also be exciting! Here are some tips on how you and your spouse can stay positive and make the most out of all your new free time, all ...