Retiring early can sound like the dream. No more Monday morning rush. No more packed calendar. No more pressure from clients, colleagues, deadlines or targets. No more squeezing life into the edges of work. For many people, early retirement represents freedom. It is the reward for decades of effort, discipline, saving and planning. It is […]
About 18 months ago, I picked up a padel tennis racket for the first time. I had no idea what I was doing. I did not understand the angles, the glass, the positioning or the rhythm of the game. I lost every single match. I was, without question, the worst person on the court. Everyone […]
There is a question that sounds simple at first, but becomes more difficult the longer you sit with it. Think about your last normal working week. Not a week with a holiday, a wedding, a birthday, a crisis or something unusual in the diary. Just a standard, ordinary week. What did it look like? For […]
There is a significant change coming to the UK tax system, and it has the potential to affect around 49,000 families. Quite possibly yours. From 6 April 2027, unused pension funds will be brought into the scope of inheritance tax for the first time. This is not a small technical adjustment. It is a meaningful […]
There is a question that quietly underpins almost every conversation about retirement and later life, yet it is rarely asked outright. What story are you already telling yourself about your future? Not the usual questions about pensions, savings, or how you will spend your time. Those matter, of course. But this is something deeper. It […]
I want to talk about something that has been on my mind for a while. And I’ll be honest with you upfront, I’m not entirely sure I’m right about this. So I’d genuinely love to know your thoughts in the comments below. Here it is. I think women are generally better at the transition into […]
If you’re anything like me and the clients I work with, you’ve got a picture in your head of what the next chapter looks like. Golf on Monday. A bit of volunteering on Tuesday. The grandchildren Wednesday. A new fitness class Thursday. Lunch with a friend on Friday. On paper, it looks brilliant. Full, active, […]
I want to tell you about a conversation I had recently with a client. Let’s call him David. David is a senior manager at a professional services firm. He’s in his mid-forties, works incredibly hard, and a few months ago he called me genuinely excited. He’d just had his annual review and his employer had […]
There is a moment that many financial planners, coaches, and advisers will recognise. It is not about numbers, spreadsheets, or investment returns. It is about identity. A client sits across from you. They have done everything right. They have built wealth, secured their future, and reached what most would call financial independence. On paper, they […]
When we look at the statistics around divorce, an interesting and slightly unexpected trend begins to emerge. For most age groups, divorce rates have been declining for years. Since the early 2000s, overall divorce numbers in many Western countries have gradually fallen. In general, fewer people are ending their marriages than they were two decades […]