Knowing where you are financially, where you want to be, and how to get there: that’s the 101 of Financial Planning. And as well as giving you a roadmap to your financial future – lifestyle, security, and goals that you aspire to – Financial Planning is a powerful tool in building your financial resilience. We hope you find this quick summary a useful ‘thought-starter’. And of course, if you’d like to have a more detailed conversation specific to your personal needs, we welcome you to browse our member directory for a financial planning adviser near you. Financial planning is...Read More
The best laid plans of mice and men…….despite your best endeavours there are times when life throws you a curve ball and you have to rethink your financial plan….Read More
There are those people who save nothing, live paycheck-to-paycheck and never plan ahead for their future financial well-being. And then there are those people who are frugal to a fault and never spend any money or enjoy themselves.
For the rest of us, we are constantly trying to strike a balance between enjoying life now and ensuring we have the resources to enjoy life later.Read More
by Ben Carlson Interest rates on almost everything have fallen since the onset of the financial crisis — long-term bonds, short-term bonds, fed funds, mortgages, car loans — pretty much anything with an interest rate attached to it. Well, everything except credit cards. The average credit card APR rose to it’s highest average ever in 2017 at around 16%. In some ways this makes sense. It’s an unsecured line of credit given out to borrowers with very little due diligence performed on their creditworthiness. But it’s also kind of crazy that as interest rates in nearly everything else have fallen, credit...Read More