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Life Centred Financial Planning

Financial Planning is About Making Your Life Plan a Reality

Posted by Andrew_Smith on Tuesday 26th of February 2019

Many people who have just begun working with us are surprised by how our planning process starts. We don’t begin by talking about ISAs, Pensions or how much you’re saving. Instead, we begin by talking about you, not your money.

Putting your life before your financial plan.

As Life-Centred Planners, our process begins with understanding your life plan. We start by asking you about your family, your work, your home, your goals, and the things that you value the most.

Our job is to build a financial plan that will help you make your life pl...


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...


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...


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...


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