Six years ago I felt a twinge in my hip and put it down to the ageing process … everything starts to hurt right?

As a precaution I went to see my GP and was diagnosed with a simple ‘Repetitive Strain Injury’. My doctor thought that the action of me getting into and out of my car was the cause (since that was when the pain was at its worst) so it was an understandable initial assessment.

So I followed her instructions about how to get in and out of the car in such a way as to not aggravate the hip joint.

Fast forward a few years and the discomfort had worsened and it was becoming more painful to climb stairs and walk for long periods.  A few years after that I wasn’t sleeping well and excruciating pain was radiating through my hip and thigh.

A visit to my GP just before the pandemic hit led to a referral and X-rays revealed that I had severe arthritis.  Delays during the pandemic meant that I wasn’t seen again for another year at which point I was referred for physio. I followed all the instructions and did all the exercises, but the writing was on the wall and I needed hip replacement surgery.

Many of you know that this took place in early May and I am currently in recovery.  The procedure was a success and I am pain-free for the first time in six years and I’m sleeping properly again!

So how did I come to the conclusion that there is an analogy here with financial planning?!

Well here’s the thing … a large proportion of the new enquiries we have received in recent years have said things like “I think I’m doing ok on my own but would like some reassurance about that” or “I know I need some help but I’m not sure what it is I really need” or “I’m not doing great and the time has come for some proper help”.

Our own efforts will only go so far – we can ‘manage’ pain (physical, psychological, financial) only up to a point.  We also convince ourselves that things will get better if we just do the right things and keep plugging away at it.

But that is not always the case – and often we find that intervention (from a professional or specialist) is the only way to stop a problem from becoming overwhelming; and in many cases remove the problem altogether.

Often new enquirers approach us a little sheepishly with an air of “I know I should have come to you sooner” … (a phrase I mumble to my GP almost every time I make an appointment)

It doesn’t matter whether you are a little late to the party – just turn up. Let us help. Use our expertise. Embrace the challenge of some uncomfortable questions. Enjoy the process of working towards being ‘pain-free’.

Our best moments at Solomon’s are when clients reach financial freedom or financial independence – where they no longer ‘walk with a limp’ and where they can sleep all night through.

That is why we do what we do and love doing it.

Debbie Harris
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on my blog which gets updated every week. If you would like to talk to me about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email