Would you hire a person to pretend to be your… ?

Dominic Thomas
Nov 2025  •  2 min read

Would you hire a person to pretend to be your…?

One of the adages most of us grew up with (perhaps negatively) is the idea of keeping up with the Joneses. The societal pressure to use our money to buy things and experiences so that we fit in with our neighbours (who do the same thing). I think it sits in an uneasy relationship with the religious concept about coveting.

As is invariably the case, real life is more nuanced than a list of dos and don’ts. There is a degree of merit to be found in improving our lives and communities (if that is what it is); on the other hand it can be rather vapid consumerism that is nothing more than tokenism, ‘society’ is surely what we choose to make it and conformity is the method of control and regulation.

The film Rental Family considers a more extreme aspect of Japanese family life and the expectations placed upon people to save face. This is on many levels a wonderful thing but of course has its evident flaws – an inability to accept the reality of difference.

It is very debatable if Japan is actually extreme at all in this regard, perhaps they are merely more honest about the problem than we may pretend. The recent rise in far right rhetoric is quite evidently appealing to those who like conformity, uniformity and control with little regard for the reality of difference or a hatred of it.

Rental Family is essentially a story about the need for support and understanding of difference and an acceptance of it. In a crowded world where isolation is rife, despite the illusion of increased interconnection, we can see that many people struggle with their sense of aloneness, sadly an increasing number (over 6,000 a year) take their own lives.

Platitudes don’t really help, practical support and attention may, the effort is certainly worthwhile. The idea that in our ‘service economy’ we could now sell the service to act as a family member and actually make life better, which of course isn’t always true of actual family members. One might also consider that transactional relationships are nothing new – most of our monarchs have been based on transactions, not love.

Set in Japan, we witness where this service might be deployed – in an apology, a wedding, any social event, the selection process for a child applying for a school, someone to show interest in the end of a career (or life) or even a mourner – something that is actually a very ancient ‘paid for service’.

Who better than an actor to pretend? Someone who is skilled in character and responding to context.

As a financial planner, I hope that it is evident that we offer rather more than simply arranging money stuff. To be blunt, the part of my work that I enjoy the most is getting to know you, your values, personality, friends and family. It’s your story and is what interests me.

Our role is to help you make your story more obvious, more aligned to your stated values and to help remind you that it (life) is mercilessly brief. Our world has an unlimited number of distractions from the moment we wake until our head returns to the pillow (and that’s for those of us who have an ability to switch off at that point).

Money is not the goal, it is the lubricant to your life, its feature is to function, not to count.

As for the film, I utterly loved it, it’s beautiful, and it reminded me that I would like to visit Japan, a world that seems so familiar yet different, that is perhaps its beauty to me.

References:

Would you hire a person to pretend to be your… ?2025-11-21T10:09:56+00:00

What about Grief?

Dominic Thomas
Nov 2025  •  3 min read

What about Grief?

The taboos of my childhood era were sex, death and religion. These, I was told (not by my parents), were topics that would divide and were not really up for discussion. The way the world seems to have evolved; the only remaining taboo seems to me to be death.

Like many of you and all of us eventually, I have had an ample dose of bereavement in my lifetime. The loss of very close friends, family members and clients. I can (obviously) only speak to my own experience and how facing each has been different, depending on the circumstances and relationship. There is a common process for grief or loss, but each has its own nuance.

An attempt to reflect on the misery, devastation and despair of losing a spouse is brought to life on screen from the book by Max Porter. I’ve not read the book and now intend to do so; the film attempts to make the unfilmable a film. Visually violently and bleak, it’s not one for those traumatised by Hitchcock’s The Birds and suffering ornithophobia.

As I watched I couldn’t help but think of one of my closest friends and wonder if I had even come close to helping him enough as he wrestled with the challenge of raising two boys alone. I realise that many people do this as single parents (mainly women) but that isn’t quite the same as also processing the permanent loss of the other parent forever. No conversations or arguments about the exhausting parenting experience with one another.

I’m curious and a little apprehensive to learn what he would make of it. The film shows ineffective conversation and platitudes of help. I hope that my approach of simply doing stuff was more useful. As a taboo, perhaps most of us aren’t really confident in our ability to talk about death with one another. I hope that I’m not misguided in thinking that I don’t find the topic threatening, I’m comfortable sitting with the uneasy … my psychotherapist spouse may want to add some thought to that though.

I found the film difficult to watch, not because of its content but because I was bottling up a list of seven things that could have been done to make the process better.

  1. A properly connected therapist
  2. A cleaner
  3. Someone skilled to help with childcare
  4. Someone to alleviate or handle a lot of the practical administration of death
  5. A lot of life assurance
  6. Relationships with friends who properly engage and get in the mire with you
  7. A community

The sense that we have to do everything on our own is one of those ridiculously badly communicated notions set at school about our independence.

You do not have to do everything on your own. That’s certainly harder when you are single or your circle of friends is relatively small or you don’t have any obvious community. However in my experience, those can be discovered, built and encouraged. Even as your financial planner, we will more than readily get involved to help you with any elements within out remit.

You don’t have to be a genius or expert in all of life’s topics. We are here to help you master money management, we don’t expect you to simply figure it all out yourself and should grief arrive at your door, we will be on hand. In the meantime, we will encourage you to be ready by being prepared and making the most of now.

References:

What about Grief?2025-11-07T16:28:45+00:00

Government’s homebuying fixer-upper

Daniel Liddicott
Nov 2025  •  2 min read

Government’s homebuying fixer-upper

At the beginning of October, the Government announced some significant planned changes to the homebuying process. These reforms also include a focus on digitising the process, rather than relying quite so heavily on sending physical copies of documents and spending countless hours on the phone chasing conveyancing solicitors for updates. For those of you who have been through this painstaking process in the past, the phrase “About time!” might spring to mind.

These changes were announced with the hope that they will reduce the timeframe for completing the purchase of a new home by around four weeks. One of the key proposed differences is the requirement for searches and surveys to be published by sellers and estate agents prior to a property listing being made public.

This would save homebuyers both the time and money required to instruct searches and surveys on their prospective new home. It is also expected that this would lead to fewer property sales falling through as this will enable buyers to be far more informed from the outset. With the surprises that can arise as a result of these searches and surveys, this would appear to be a good way to reduce the number of buyers getting ‘cold feet’ and pulling out due to previously unforeseen problems.

There is also the potential for legally binding contracts to be introduced earlier in the process, to reduce the likelihood of prospective buyers pulling out months after having had their initial offer accepted.

According to an article by Financial Reporter, the mandatory information that would need to be provided under these reforms prior to a property being placed on the market include:

  • council tax band
  • EPC rating
  • property type
  • legal and transactional information such as title information and seller ID verification
  • leasehold terms
  • building safety data
  • standard searches
  • property condition assessments tailored to property age and type
  • service charges
  • planning consents
  • flood risk data
  • chain status
  • clear floor plans

As for digitisation, more widespread use of digital ID verification and standardised data sharing aim to smooth the journey to completion of purchase, improving transparency and reducing the number of sticking points that so frequently arise under the current system.

This is a promising announcement, and one that feels massively overdue. Better late than never! The government is set to lay out the roadmap for making these changes in the new year. Until then, we must wait to find out how the government plans to deliver this system overhaul.

Let’s hope this reform doesn’t fall through before completion.

Government’s homebuying fixer-upper2025-11-04T13:03:23+00:00

Can you identify Traitors?

Dominic Thomas
Oct 2025  •  3 min read

Can you identify Traitors?

In an age of terms like “patriot” being used in that very reductive American way, the idea of a traitor is repackaged as someone who opposes such a narrow definition. The ‘othering’ of people who hold different beliefs or values is currently rife throughout much of the world. It seems that reasonable discussion, debate and democracy are all under significant attack. I’m sure you know who and what I am referring to.

The idea of trust is being challenged and what we see and hear isn’t as trustworthy or reliable as it once was, in part due to quite deliberate manipulation and misinformation, but also due to the fabrication of our visual world. The falsification of information is possible due to technology that is so good, and it is now very difficult to tell if the family member or friend you are seeing or hearing on your digital device is actually who you think. The dystopian vision of 1980s movies like The Running Man are now our reality.

You probably haven’t avoided the BBC show Traitors. I hadn’t seen the previous shows and agreed to watch the ‘celebrity’ version. It was and is intriguing. On the one hand it seems a bit like a childhood game of murder in the dark crossed with hide and seek with a bit of Cluedo and the Krypton Factor thrown in for good measure.

What I hadn’t expected to witness was the way people are persuaded as readily as they are, to see (albeit via a BBC edit) how people assess each other for honesty, integrity and trust. The results are not good. We aren’t very good at assessing characters, at least – not as good as we would wish to believe.

On the political stage this helps explain a little why some people seem willing to believe what many of us would recognise as an obvious liar or fraud. I suspect that deep down many of us are aware that perhaps our ability to discern isn’t as good as it might be.

In the context of financial services, trust is vital, but of course is the one element that is so frequently abused or lost. The media is awash with stories and information of fraud, abuse and corruption. Regulation helps but is often too little too late. I regularly come across people who have experienced ‘advisers’ who sell them expensive funds or products and who (to my mind) clearly fail to sit on the side of the client – which is our role.

It’s obviously not a problem unique to finance, but where money is involved, integrity and character will either surface or disappear. This week I heard yet another story about siblings squabbling over the redistribution of their father’s estate. The same parents but clearly the children have different moral compasses.

How we assess people as trustworthy is an important skill and none of us have a flawless ability. We all make errors of judgement, the hardest being those we repeat.

Transparency helps of course, by which I mean clearly revealing information showing how the trusted person benefits from any action taken. I remember that prior to 1995 we didn’t even have to disclose how much commission we earned. So when

I set up Solomon’s four years later in 1999, I did so by having a clear pricing model (without commission). It was innovative at the time, but woefully naive. It took the regulator a further 13 years to make all advisers agree fees properly with clients (as we had been doing since 1999).

Being ahead, or being first, or being thoughtfully objective, didn’t really help the business to expand or thrive, in fact it was a very hard time convincing people of our approach. I was reminded of this whilst watching Traitors, being right (identifying the traitor) often backfires, with an unwillingness for some to disbelieve the narratives set by those with most to lose (the actual traitors). However good, rational or clear the argument, many were persuaded by their gut instinct or unwillingness to suspect foul play by those they thought ‘trustworthy’. We also have a tendency to avoid conflict or change, accepting the truth, sadly, isn’t as easy as it should be.

As a viewer, we feel exasperated by the folly and lack of good thinking, when it is exhibited and ignored we may feel despair, but of course we have the unfair and enormous advantage of knowing who the traitor is! In our real world it is much harder to tell.

Our values are aligned with yours, as you win, we win. As you lose, we lose.

It’s not a perfect system or model, it’s not cheap, but it’s the best I’ve been able to come up with over last three decades. We will remain faithful to your best plans.

References:

  • PIA – commission disclosure 1995
  • FSA – RDR 2012

Can you identify Traitors?2025-10-30T10:13:58+00:00

What the F**K?

Dominic Thomas
Oct 2025  •  2 min read

What the F**K?

“F**k” is just a word yet conveys so much. Imagine yourself building a wonderful career in the service of others, attending a ceremony to acknowledge your work, where the Queen will present you with an MBE only to find the moment so overwhelming that you uncontrollably blurt it out to her majesty … except this time you have had the benefit of history and context.

I swear is the beautiful story of John Davidson who develops Tourette’s syndrome as a young teenager. Those of you offended or put off by swearing will struggle with the film, but to miss it would be a mistake. It is a beautifully told film, highlighting the misunderstanding and mistreatment that those with the syndrome experience every day and the salient point is that they cannot control themselves; it is a genuine condition.

We return to the 1980s, the pre-tech age, where corporal punishment was regularly meted out to those who crossed a line. Many of those draconian punishments were dispensed from ignorance (perhaps all of them). The Davidson family struggled to come to terms with Tourette’s in a world that lacks awareness, life is a challenge and John is eventually another misfit of academic data.

The intervention of Dottie is arguably the turning point in John’s life. It is her welcome and acceptance as someone outside of the family that changes the course of this story. Often, we can feel overwhelmed by the scale of the challenges we face, yet we know from history and perhaps experience, that a single person or act can have a remarkable impact. One person leads to the next and the next. John is welcomed, accepted, encouraged and importantly – empowered. His life becomes one of influence and it’s awesome.

What has this story got to do with financial planning? Tourette’s is not curable, but as we see in the film, technology in the hands of some rather good medics have made life much better for many of those with the syndrome. In particular, the research at Nottingham University. Invariably such research and prototype solutions require funding to develop them and bring them through the complete product lifecycle to the marketplace. This is often where investment in ‘life sciences’ happens, the sort of investment that is not in your mainstream portfolio (because there is a high risk of failure) but can be found through Enterprise Investment Schemes and Venture Capital. As this sort of investing is much more speculative (often with a far greater potential upside), there is Government inducement with tax relief on the investment of 30% or even 50% in some cases. The investment is invariably ‘locked in’ for five years or more, but the intention is to bring a world-changing solution to market and sell it to a much larger organisation at significant profit which can release it on a global scale.

There’s that and, well, frankly it’s a good reminder that when our plans and hopes look bleak, sometimes what it takes is the right conversation with someone who sees you and wants to help. Here’s to more conversations and I don’t mind the swearing.

What the F**K?2025-10-28T14:56:59+00:00

Should I plan my own funeral?

Debbie Harris
Oct 2025  •  1 min read

Should I plan my own funeral?

I attended a funeral recently and when I was talking about it later that day with my adult children, I said that I thought the service had been thoughtfully planned and beautifully delivered – a real and heartfelt tribute to the lady who had passed away.

We then had what you might call a somewhat morbid and macabre discussion about what MY funeral might look like (much gallows humour ensued!)

I told them (and have always felt the same way about this) “I’ll be dead.  I don’t mind what you do!  Do whatever you want to do to honour my memory and say your goodbyes”.  My only ‘stipulation’ was that everyone attending my funeral should wear something purple (my favourite colour).

In my mind – funerals are ‘about’ the deceased; but ‘for’ the bereaved – so I’ve always felt that planning the funeral and deciding how to honour the memory of the deceased should be the remit of those left behind.

My opinion has always been that “if life is a book, the epilogue should be written by our loved ones”.

To my great surprise, both of my children were very clear that they would want me to have left them instructions! (My son in fact went so far as to suggest that it would be best if I could plan the entire thing … so that they [in their grief] would not have to think about it at all).

This was a real eye-opener!

So I now have another task on my ‘life admin’ to do list – is it on yours too?  Apparently your loved ones will thank you for it!

There are lots of firms who offer funeral planning as a service (for a hefty fee), but I suspect something rather more home-grown might feel more authentic.  It might be as simple as selecting a few songs; suggesting a venue; providing a list of possible ‘eulogy deliverers’.  It could be a detailed ‘order of service’ to be followed.  Whatever you decide to do (if anything), be sure to tell your loved ones that a plan exists and where it can be found.

I encourage you to ‘have the difficult conversation’ with your family about this. They might surprise you!

Should I plan my own funeral?2025-10-21T16:01:29+01:00

The Times They Are A Taxing?

Dominic Thomas
Oct 2025  •  3 min read

The Times They Are A Taxing?

Tax is one of those hot topics that can be fairly divisive along political lines. Few of us relish the idea of paying tax, but nearly everyone loathes the idea of our taxes being wasted on vanity projects or things that seem out of line with our values or needs.

I recently had the pleasure of seeing Nye, a production at the National Theatre about the Welsh Labour MP who was responsible for creating the NHS. Given how many doctors I have met and advised over the years and how committed they are to their work, I was surprised to learn how few doctors in the late 1940s were initially supportive of his plans. I am, probably like you, extremely grateful for the NHS and the treatment and care that I have had over the years. Of course it has many faults and flaws, but like all great things it is a work in progress.

Whilst the play, starring Michael Sheen, has now concluded its sell-out run, it is still available to watch on the excellent streaming service from the National Theatre (very good value at £100 a year).

You may remember the fabulous opening ceremony of the 2012 Olympic Games in London, created by Danny Boyle, a time when being English made me rather proud and flags were welcoming. There was a great segment honouring the NHS with giant beds and dancing doctors and nurses, a real celebration of one of our best institutions.

It took courage, passion and compromise to create the NHS – agreeing to make doctors the highest paid professionals, whilst retaining their independence and ability to work outside the NHS. It also took tax – at a time when Britain and the world was being rebuilt brick by brick, street by street. Rationing hadn’t even ended – not officially ending for another six years after the NHS was born (4 July 1954).

Today the NHS has approaching 1.4m members of staff with a budget approaching £200bn and serving 66 million of us. Most Americans (the sensible ones) recognise just how lucky we are to have our NHS, a medical problem in the US may well see your family bankrupted without sufficient private insurance.

Tax can be used extremely well and it’s clear that different nations have alternative views and approaches. It would seem that the majority of politicians have given up on trying to do difficult things, instead opting for pat answers and deferring decisions (or indecision). The NHS is regularly a political football and the media coverage that it often receives can only leave a discerning mind questioning the motives of billionaire media owners who live abroad (well maybe simply drawing obvious conclusions). In the pandemic we saw the incredible bravery of medics as they tackled an unknown virus without the right equipment, we clapped and thanked and then many forgot.

So I am hereby giving my heartfelt thanks to those of you who work within the NHS, as GPs, Junior Doctors, Consultants, nurses, psychologists, psychotherapists, OTs and managers (I hope I haven’t missed any of you out). Whether you are retired or still fighting the good fight, THANK YOU! My family, friends and I have all benefitted from your collective wisdom, care and the pursuit of good medicine and good science.

So let us remember that our taxes, as painful as they may sometimes be (and I would be the first to suggest that the tax system is desperately broken) are doing tremendous good, every minute of every day. The NHS should not be for sale.

References:

2012 Olympic Ceremony video: https://www.youtube.com/live/4As0e4de-rI?si=VwY32f_03psef0F0

Nye: National Theatre Trailer: https://nye.ntlive.com/trailer/

National Theatre at Home: https://www.ntathome.com/

The Times They Are A Taxing?2025-10-10T15:53:03+01:00

Is there a ‘crisis of meaning’ in retirement?

Jemima Thomas
Sept 2025  •  2 min read

Is there a ‘crisis of meaning’ in retirement?

I recently read an article about why the workplace is facing a ‘crisis of meaning’, and why and how to fix it. It’s a topic thrown around a lot this year with close friends of mine as we recently turned 30. Some of us are beginning to really flourish at work & can start to see our careers taking off, whilst others are beginning to question whether to start over entirely, or are feeling incredibly depressed with the notion of doing their job for the next 40 years, but simply don’t see what they’d do instead…

The article was largely reiterating that finding purpose in one’s job doesn’t have to be the ‘be all and end all’; but rather that your work being meaningful is strongly associated with greater contentment. Whilst this post isn’t meant to probe you to question your working life, there is a noticeable similarity on the meaning of work, that we sometimes have with clients and their retirement. There is the uncomfortable reality of what day to day life is going to look like without work, particularly when work has been a large source of gratification, so we know for some of you this can be incredibly anxiety-inducing. For the first time (pretty much ever) you will be faced with asking yourself questions work has largely been answering for you (or covering your need to ask entirely).

On the surface, it seems easy to conjure up a list of fun things to do when you retire, but imagining an average day, let alone how you’d like to live ‘the rest of your life’ can be hard.

Those of you who have been a long-term client of ours will know these questions are not new, nor are they ones we shy away from asking here at Solomon’s. So here is a small collection of questions I hope some of you begin to entertain before retirement becomes your reality.

  • What do you want to spend your time doing?
  • What do you enjoy doing?
  • What do you want to achieve with your life?
  • What makes your life meaningful?
  • Think of some people you admire – what do you admire about them?
  • What gives your life purpose?
  • What makes you feel like you’re doing what you’re supposed to be doing?
  • What matters to you?
  • What values do you think are the most important?
  • How would you like people to describe you?

For our next edition of Spotlight we will be covering this topic further, so I would also like to ask those of you who have retired successfully … please share with us how your experience has been and what insights you can offer to those about to reach a similar milestone. You can reach me at jemima@solomonsifa.co.uk

Is there a ‘crisis of meaning’ in retirement?2025-09-19T10:23:17+01:00

What month would you be in if life were a year?

Dominic Thomas
Aug 2025  •  3 min read

What month would you be in if life were a year?

One of the most difficult aspects of my work is approaching the subject of death. We covered some practical elements of this in our last edition of Spotlight (Spring 2025). It’s a very difficult topic, one of the last taboos. Most of us would prefer to avoid the discussion, in fact I have even met a couple of people who told me not to talk about it because it would hasten their death, which is one of the more strange responses I have had.

Most of us grow up with the expectation that life will be long, we will reach old age and have a lengthy, good retirement. We all come to experience loss; some of us at a very early age. We are often shocked by the news of someone young, or relatively young who has died. It feels as though their lives have been cut short.

The purpose of raising the subject is not to be the voice of doom, but to enable you to really do two things. Firstly, prepare for your death, which means getting your legal documents in place and ensuring that your beneficiaries are properly taken care of. Secondly, it is a reminder that life is brief, none of us know when it is our time, so we ought to be attempting to live a full life, one that doesn’t have too much deferred into the future, but feels very fulfilling here and now in the present.

You may have seen all sorts of data showing the average life expectancy of a man or woman in the UK. There is even a “death clock” which takes your age now and calculates the expected day of your death based on your health, outlook and country of residence. This of course is an informed guess based on international averages. The reality is that if you have a financial planner, you have money.  And if you have money, you probably have the ability to access better healthcare and make better dietary/fitness choices. You probably (not necessarily) have a lower level of stress. As a result, you are likely to outlive the average.

However, most of us rarely think about this and go about our lives with the expectation of a fairly long and healthy future ahead of us still. We tend to think life will stretch out ahead of us, there will be ample time. However, if life was a calendar year, I wonder what month you would be in?

If we were to consider each month representing eight years of our lifetime, then life expectancy would be 96. Turning 56 means it’s July with the expectation of a few summer months. At 72 you have reached October. I wonder if thinking about life this way might encourage us to take each day a little more thankfully – and thoughtfully. The average person would have each month represent seven years, so at 56 it’s August already.

It’s a bit alarming and perhaps morbid, but surely an important reminder that life is very brief indeed. We don’t know what the future holds, but ask yourself, do you really want to be spending a significant proportion of it worrying about money or attempting to manage it? Ultimately, that is the point of delegating your financial planning to us, so that you can go and do the important things that you value most.

Sadly, I regularly meet people with diagnosed conditions that shorten their lives; and whilst we all know that money cannot buy time, actually you can create more time to do the things that you value because of the backdrop of a great financial plan based on what’s important to you. It is never about you spending valuable time managing your own investments.

References:

Death Clock: https://www.death-clock.org/

ONS mortality tables: https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths

What month would you be in if life were a year?2025-08-21T15:39:46+01:00

Do you know what you really want?

Dominic Thomas
July 2025  •  2 min read

Do you know what you really want?

There are lots of difficult big questions in life, one of them seems relatively simple, but most of us find it hard to put into words precisely what we feel. What is it that you desire? What is it that you really want?

It’s tempting to list a number of things or experiences, perhaps a sense of wellbeing or contentment. Whatever you wish for, it is likely that it will alter over time. When you don’t have something you tend to want it, when you possess it, there’s something else. It’s almost as if we are programmed to remain restlessly preoccupied with something other than what we have. Some of us are better at coming to terms with this than others; some simply deny it happens.

Think back to when you were finishing school, as many are at the moment. You were probably looking forward to finally leaving the confines of your classroom, hoping for a good long summer holiday and the right grades to get you to your next step. If you went to University, graduating and finding a good job and somewhere to live, then saving for your first home, then wanting a mortgage and then not wanting a mortgage, worrying about your career steps, your loved ones and your retirement, then if you will maintain your health and will you need help.

There is a sense of never really arriving.

We may experience certain critical moments in life when our values are brought more into focus, stress tends to be the catalyst for this. Love, death, sickness, betrayal, loss or simply change. These are moments where our values become tested and often the noise of life falls away and exposes what is actually important to us.

At Solomon’s, our planning attempts to evoke responses from you about the life you want to live. There are no judgements, no wrong answers, but of course it isn’t always easy to verbalise what you want when asked. Most of us don’t have a bolt of lightning moment when we know, it tends to evolve over time, sometimes many years. I think that for some people, a sense of purpose is really important, or connection to their community, however that is defined. Whatever it is I imagine and hope that it produces a sense of joy and deep calmness, a sense of your unique character being in a state of nirvana.

When life feels precarious or endangered, a sense of anxiety naturally rises, so whilst a financial plan cannot control the external, we can at least provide a roadmap for your route to contentment. One of the most common notions behind financial planning is that it brings about a sense of ‘peace of mind’. It’s a phrase that I’ve heard regularly over the years, but it’s never really sat well on my tongue. Any and every good financial plan has an acknowledgement of uncertainty – we don’t know what the future holds. We can align our finances and actions with our values and prepare for the future, getting organised, disciplined, making better choices and decisions.

For me, the thing I want, other than deep human connections, is a sense of limited freedom – I will always have limitations, but within those it is the freedom to choose and the sense of empowerment that it brings.

How about you?

Do you know what you really want?2025-07-18T10:47:11+01:00
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