What’s Your Financial Personality?

We all have very different ideas about what money means to us and we have many different, often damaging, psychological biases that impact how we make money decisions. Knowing our financial personality is the first step to making better decisions. So which one are...

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A Financial Advisor’s Guide To Downsizing

Downsizing your home is a big decision that requires plenty of thought and planning. A large home and garden is wonderful for raising a family but it may not be the right place for you once the kids have flown the nest. Downsizing is often a very attractive...

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Our First Big Money Mistake

Our big financial errors vary by age but a recent Wall Street Journal article highlights a big money mistake than young people are making today – they are not taking enough risk. The table below is taken from that article and shows that millennials are holding as much...

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How To Save

Saving money rather than spending it gives us no instant gratification but it is the road to eventual financial freedom. Here are some tips on how to get there. Have a budget. Make a note of exactly where your monthly income goes. Aim to have both a spending and...

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Pensions Made Simple (ish)

Made simple, really? OK maybe I’m setting the bar too high but I want to tell you all you need to know about pensions. I’m bored already. Wait, this is important. Just give me 2 minutes of your time. OK, go on then, why do I need a pension?  Because your income could...

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Inheritance Tax – What You Need To Know

With the news that the new government may change inheritance tax rules, it’s worth pausing to consider what the current rules are, what changes could be coming, and what it all actually means for you. The Definite Bad News Not only has Ireland the highest ‘death...

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Why You Should Own Your Own Home

While scarcity and affordability is a major problem for many young people considering buying their first home, there remain many reasons why you should strive to own your own home. 1. Inflationary Asset Although inflation is at cycle lows right now, it will return. It...

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The Money Smart Investment Philosophy

Investing money demands care and consistency. Our investment philosophy consists of six golden rules based on global best practice which we apply to every client portfolio. 1. Have a Plan and a Process A stable decision-making process through boom and bust eliminates...

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Alternative Investing : Private Equity

This is the last of a short series of blogs on ‘alternatives’ – investments in anything other than stocks, bonds or cash. We have examined the four most common alternative asset classes in general order of risk/return profile; Absolute Return, Commodities, Property...

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