LIFE AND MONEY REFLECTIONS Archives - Page 2 of 22

Are you building a bridge to your future?

Dominic Thomas
Jan 2026 • 2 min read

Are you building a bridge to your future?

Financial planning straddles the past, present and future. Here at Solomon’s, we like to start with the end in mind, the second habit of “highly effective people”. We need to know what you are aiming for and where you are now. It’s helpful, significantly so, to also know enough about the history that has lead to where you are presently.

One of the many problems with great financial planning is that it requires time and therefore patience. A combination that is not something that is easy to master and arguably the antithesis of our current cultural impulses; it’s also problematic because you only get the long-term once.

Compounding investment returns is a crucial part of your plan, in practice we are not magicians and really have three main ‘dials’ to operate – spending, contributing and time. So I wonder if you would consider the example of an actual bridge – the one that you have probably known about since early childhood nursery rhymes and probably crossed more than once … London Bridge. Construction of the first stone bridge started in 1176 and took around 33 years to complete; at the time it was the sole bridge across the Thames.

For hundreds of years, London Bridge was the only crossing of the River Thames. It had a total monopoly.

If you wanted to cross the bridge to get to the City, you paid a fee
If you wanted to sail under the bridge, you paid a fee
If you wanted to fish off the bridge (ill-advised in the Thames most of the time!), you paid a fee
If you owned one of the 140 shops/houses on the bridge, you paid a fee

Since opening in 1209, those payments have been accumulating and administered by Bridge House Estates (now called City Bridge Foundation). To give a sense of scale, the 816 years of being open for business until 2025 is obviously a very long time indeed.

To give you a sense of what compounding can do, if you’d invested the princely sum of £100 in 1209 and made a 3% return every year for the last 816 years, you’d have £2,986,588,300,073 today.

Today, now a charity doing all sorts of work and also the owner of Blackfriars Bridge (1769), Southwark Bridge (1819), Tower Bridge (1894) and the most recent Millennium Bridge (2000), the Foundation has annual income of over £42m a year, of which around £10m is from admissions and visits. The latest accounts report assets worth over £1.6bn. This gives rather a lot of meaning to terms like “spanning the generations” and is some serious legacy planning! Imagine the wealth of history that the bridge has witnessed – albeit rebuilt several times.

References:

Report and Accounts: https://www.citybridgefoundation.org.uk/about/governance/annual-reviews-and-reports

Charity: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1035628/assets-and-liabilities?_uk_gov_ccew_onereg_charitydetails_web_portlet_CharityDetailsPortlet_organisationNumber=1035628

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Are you building a bridge to your future?Jemima Thomas2026-03-24T16:26:11+00:00

Is this The End?

Dominic Thomas
Jan 2026 • 3 min read

Is this The End?

One of the most difficult topics with new clients is a discussion about endings. Sometimes a new client is leaving an existing adviser or abandoning their former way of thinking about their finances; however you will probably gather that I’m more of the Stephen Covey persuasion … of starting with the end in mind. I encourage discussion about what will have been truly important when you reach the end of your life and look back on your decisions.

At the start of the month, I went to see a new play by David Eldridge at the Dorfman – National Theatre simply called End. It’s a single act with just two characters – Alfie (Clive Owen) and Julie (Saskia Reeves). I found it utterly engaging. Set in north London in June 2016, it’s a remarkable piece full of topical history and poignancy. Alfie and Julie are confronted with an inability to communicate well in the present for fear of the future and the legacy of the past; a very familiar condition. As the play only runs until 17^th January 2026 I doubt I will be providing many with problematic spoilers.

We quickly learn that Alfie has terminal cancer but has had enough of the treatment, therefore he is thinking about his ‘end’ and reminiscing, but perhaps romanticising it. He doesn’t want Julie or their daughter with him, therefore he will say his goodbyes and head off quietly, like cats do. He wants to be buried with his parents.

Julie is shocked at his reluctance to continue his treatment, she wants him to fight to live and has been scouring the internet for alternative treatments. She admits her own romanticised ideas of burial, but it wouldn’t be with her mother-in-law and she also notes what a practical problem it would be for her to make the trip to visit the site anyway.

As you might expect, there are heated and emotionally exhausting exchanges. We learn of their past relational problems, their disappointments with one another and their very deep real love. We learn of their careers, triumphs and setbacks, their ‘dirty laundry’ and some of their contradictions. Life and relationships are never without complexity if they are honest. The societal setting is also helpful – Brexit, the recent end of an era as Alfie’s team (West Ham) moved from Upton Park to the Olympic stadium and his particular taste in music, acting as a wonderful signifier of change. There are plenty of nods to the social forces that are about to be unleashed and how for many of us progressives, the London Olympics was the high point of the last five decades with a decline ever since.

Alfie and Julie just about manage to navigate the highly charged topic of impending death, something that many of us have experienced (and some of you very recently) and undoubtedly each audience will have been touched deeply by these experiences too; it is all too common and all too ordinary, but ordinarily ignored or avoided. Dashed hopes and expectations from a life that we have little real control over.

The truth is that great financial planning is about your ‘story’, wherever it may have started and whatever direction it may take. My role is to help you to clarify what is important, therefore bringing a sense of structure and direction – and then build the financial pathway to facilitate this, but of course, we cannot predict the future. I have a crystal ball in the office as a bit of a joke, but I rarely use it in a meeting (it’s a fairly lame joke and to be honest I forget about it!). The point is of course that on one hand we all would quite like to know the future, believing it would provide the illusion of comfort, but the reality is almost precisely the opposite. Knowing the future strips the unpredictability of life and its joy. The little that we can truly control and hope to master is our response. Much like you, Alfie and Julie, I am also a work in progress with much to learn. I wonder how your conversation’s going about the one certainty?

Therefore as we face a new year, which appears to have begun with more chaos, quite deliberately manufactured by a deranged right wing, I am mindful of the challenges to be confronted, whilst acknowledging that people are people and beliefs, however baseless, are rather difficult to change.

Is this the end? Yes and no. It is the end of something but the start of something else. What I do know is what you know … life is brief – so make the most of it. Was the play worth seeing? Most definitely, brilliant performances from both of them. You will probably be able to see it on the National Theatre streaming service. Here is their trailer which gives little away (as a trailer should!):

Ref: https://www.nationaltheatre.org.uk/productions/end/

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Is this The End?Jemima Thomas2026-01-20T13:45:24+00:00

New Year’s Resolutions … Resolved?

Debbie Harris
Jan 2026 • 1 min read

New Year’s Resolutions … Resolved

We are now comfortably into 2026 and most of us have probably already broken our New Year’s resolutions and there is a tonne of ‘scientific’ research about why we fail at these so quickly.

I won’t bore you with the details (willpower / arbitrary / vague / emotionally thin / fresh start illusion etc), but thought I would offer an alternative for anyone feeling deflated about this!

I used to religiously set New Year’s resolutions on December 31^st having given them zero thought and no meaningful attention. They were often vague and usually unrealistic!

I read an email several years ago that happened to land in my inbox at an opportune moment (1^st January) which suggested setting my goals for the year … in February (revolutionary!)

The author of the email had some good advice about how to do this … like making your goals challenging yet achievable (standard) but also recommended trying ‘small wins’ and far fewer ‘ongoing’ goals. Most importantly they talked about reframing the actual words we use – thus turning them into an “identity system”.

So now my annual goals are very (oddly!) specific and many of them are ‘one and done’; some of them are teeny tiny non-negotiables. For the ‘big things’, I avoid goals like “lose weight” and “read more” and substitute these with things like “this year I will become the kind of person who usually eats one piece of fruit a day” and “this year I am determined to read at least a chapter a week”

Life is too short to beat ourselves up over failing to meet self-imposed unrealistic (or idealistic) expectations. Whilst I am all in favour of self-improvement, it’s important to tell ourselves often:

“you are good enough as you are”.

I wish you a belated Happy New Year and hope that 2026 is full of great times and memorable moments.

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New Year’s Resolutions … Resolved?Jemima Thomas2026-01-14T14:25:13+00:00

Clickbait headlines anyone?

Dominic Thomas
Jan 2026 • 3 min read

Clickbait headlines anyone?

I honestly don’t know whether the headline “Majority of UK divorce settlements don’t consider pensions assets” was a deliberate attempt to get eyes on the page or held any truth. It would seem very unlikely to be correct if it means we are to assume that solicitors specialising in divorce “don’t consider” a pension. What is more likely meant, is that most pensions don’t get split up as a result of divorce; in other words – there are other assets around to come to an agreement.

It won’t surprise you that after a house, a pension is most people’s largest and most valuable financial asset – which always makes me wonder why so few people get advice about theirs. The ONS has data on divorces in England and Wales that goes back to 1858 (there were 24!).

The reducing number of divorces is open to interpretation, with the most obvious being that fewer people are getting married. The chart below shows the gradual decline in marriages (of all forms) since the peak in 1972 of 426,241. The pandemic saw a decline, but interestingly, there wasn’t a ‘double-whammy’ to make up for this.

It has been said that the fastest way to lose a fortune is to divorce, and it is indeed almost certain that without proper consideration of all marital assets, divorce will be very costly. The data backs up the statement that women generally have smaller pensions by an average of around £53,000 (for a variety of reasons) and we are all aware that pensions can be complex. The two basic types are final salary (Defined Benefit) which are a promise of a future income based on salary and service, and an investment-based pension (Defined Contribution) which is “simply a matter of the pot size” though this reflects the amount paid in, charges, investment profile and success.

Despite the fact that it is surprising that only 11% of divorces in the last two years have had a pension attachment order, I don’t believe for a moment that the majority of solicitors ignore pension assets; rather it is the agreement on how these are split up that often surprises me. Many will see the value of a home in the very real present to be of greater value than an income in the future.

What I would urge divorcees and their legal representatives to consider is a proper financial plan – a model of cashflow requirements into the future. This may do much to take some of the pain and heat out of discussions; with all parties able to be realistic about what is possible.

Divorce may not be something that you feel is relevant to you, but perhaps someone you know is struggling with this or you have children who may need to carefully consider the financial implications of the marriage contract. It is widely reported in the media that January is the most popular month to start divorce proceedings; the suggestion being that having got through Christmas and the New Year, newfound resolve is apparent. In practice, March is generally the month that most petitions are started, maybe it’s something to do with the approach of the end of the tax year?

As ever, here to help.

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Clickbait headlines anyone?Jemima Thomas2026-03-24T16:26:59+00:00

What Would Clooney Do?

Dominic Thomas
Dec 2025 • 2 min read

What Would Clooney Do?

In our latest edition of Spotlight, three clients outlined a little about their initial experiences of retirement – each rather different, but possessing some commonality. By way of another example (ok a bit of a stretch) the new film Jay Kelly starring George Clooney is a fairly stark look at the choices a hugely successful actor has made in his four decade career.

Those of you who know the Directorial work of Noah Baumbach will not be surprised to see a reasonable amount of self-disclosure in the plot. Kelly is hugely successful but has probably reached the twilight of his career (never a clear case for actors). He finds himself in the empty nest syndrome and reflecting on his life choices following a meeting with a former fellow student. Their careers took very different paths. Kelly is left clutching awards and accolades, but chasing a sense of connection as he chases his daughter around Europe.

It’s not about right or wrong, but promotes a thoughtful approach to the choices that Kelly makes, selecting his career over the alternatives. To some extent we all have similar choices, or have had them, rarely are they easy; most of us haven’t really had the luxury of seven figure (or more) short-term projects like a Hollywood actor, but rather more mundane – paying the mortgage, holidays, school fees and so on. It’s not always easy to remember that these are also choices – and who is to say whether they are right or wrong; the point is surely that we make them thoughtfully and consciously.

As we enter another new year, the one certainty is that time evaporates and all of us become increasingly aware of its preciousness and that it slips through our fingers; before long we all find ourselves at a point wondering about our choices. At your next planning meeting, you may want to check in with us to ensure we have really grasped your values, the lifestyle that you have worked for and wish to retain. Assumptions are rarely accurate and invariably disappointing, and our mission is to help you verbalise yours and help you achieve the peace of mind that comes from a clear, robust plan.

I enjoyed the film, which is currently on the Netflix platform and it’s had mixed reviews, but hey, that’s the joy of art. Anyway, Mr Clooney turns 65 this May and would still have to wait until 2028 to collect his State Pension if he were a UK resident. He may find himself waiting a little longer for a third Oscar, but he rarely has to wait long for a coffee or a compliment. Devilishly handsome and seemingly a thoroughly decent American.

Here’s the official trailer for Jay Kelly:

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What Would Clooney Do?Jemima Thomas2025-12-17T14:11:36+00:00

London Money

Jemima Thomas
Dec 2025 • 2 min read

London Money

A big thank you to London Money!

Just in time for Christmas I bought and moved into my first flat! It’s been a chaotic but incredibly exciting end to the year, and I’m feeling very fortunate.

It’s not lost on me the gigantic privilege it has been to have been able to buy at the age of 30. Times are hard for my generation, and to live and buy (particularly in the South) is incredibly hard no matter how much others will beg to differ. I have been renting for the best part of 10+ years since university, and I wave a gigantic flag for all those who are having to do the same. Whilst it comes with many perks (moving to different areas, meeting and creating new friendships through all the different house-shares), I know how rough it can feel never being able to put your stamp on your ‘temporary’ home, as well as having zero control on when you may have to move again. At one point I moved every year for four years in a row … it was hard.

I want to give a massive shout out and huge thanks to London Money for being incredibly helpful and hands on whenever we’ve needed. Both Martin & Cathy have been invaluable support on our journey, right from our initial meeting with Martin last summer; they have both been reassuring and were able to get us the best mortgage right up until we exchanged contracts. We have previously mentioned them in our client magazine Spotlight which you can read here. Both Martin and Cathy’s dedication have truly made a difference in our experience, turning what could have been a daunting process into a smooth and manageable one. Personally, it feels rare to find such a committed team that genuinely cares about their clients’ success. Thank you once again, London Money, for your unwavering support and professionalism. I highly recommend anyone using them for mortgage-related needs.

Ref: London Money

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London MoneyJemima Thomas2025-12-16T16:04:18+00:00

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:

ONS data on UK (England and Wales) suicide rates

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Would you hire a person to pretend to be your… ?Jemima Thomas2025-11-21T10:09:56+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.

A properly connected therapist
A cleaner
Someone skilled to help with childcare
Someone to alleviate or handle a lot of the practical administration of death
A lot of life assurance
Relationships with friends who properly engage and get in the mire with you
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:

Book: Grief the thing with feathers
Make your Will

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What about Grief?Jemima Thomas2025-11-07T16:28:45+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.

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Government’s homebuying fixer-upperJemima Thomas2025-11-04T13:03:23+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

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Can you identify Traitors?Jemima Thomas2025-10-30T10:13:58+00:00

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