Chartered Financial Planner
It is my fundamental belief that financial planning makes life better. I enjoy helping my clients work towards their financial goals to give them freedom and choice.
While a UK state pension won’t guarantee you a life of luxury when you retire, you shouldn’t look a gift horse in the mouth! It’s not too late to top up your UK National Insurance contributions to secure a UK state pension but you need to act fast. Adon Beddoes explains. Do you qualify for…
A comfortable retirement means having the financial independence to choose how to spend your life without having to worry about whether you have enough to cover your living expenses. To achieve that, you need to have accumulated enough wealth to replace the income you currently get from your employer and/or your business. Adon Beddoes, our…
Life is expensive for millennials, who have had more than their fair share of financial hurdles to get over. Nevertheless, financial responsibilities need to be met, and burying your head in the sand is only going to make things worse. Learning how to manage your money is the only way to achieve financial independence. Here…
Imagine that you came into a large sum of money: a lottery win, an inheritance, a gift from an ageing parent to avoid inheritance tax. Receiving a windfall is a once-in-a-lifetime chance not only to indulge some of your wildest fantasies but also to make a real difference to your financial security and that of…
The Harry Potter books and films might seem like an unlikely inspiration for an article about financial planning, but while watching Harry Potter and the Sorcerer’s Stone recently, Adon Beddoes realised that Harry’s life could have been a lot less stressful if his parents had taken some decent financial advice. Here’s why! Unless you’ve been…
Did you know that 69% of employees would move jobs if they were offered better benefits? When your business is competing for quality employees, the corporate benefits you offer help you stand out from the crowd to help you attract and retain the best talent. Employee turnover is expensive. Very expensive. Research reveals that entry-level…
You may not have heard of Quitter’s Day but it has become a thing in recent years. The concept has been popularised by Strava who analyse global fitness data collected from their app each January to work out the day that most people abandon their new year’s fitness resolutions and return to life as a…
As a financial adviser who has helped hundreds of clients get to grips with their finances, I understand just how confusing and daunting the world of money and finance can be. Unfortunately, basic financial knowledge is rarely part of the educational curriculum, and many parents lack the knowledge to pass on to their children. Hence,…
Volatility is part and parcel of investing so if your retirement plan – or indeed any other financial planning goal – is reliant on investing in equities it is something that you are going to have to deal with at some point or other. The fact is that most of us are not cut out…
One million pounds. It sounds like an enormous sum doesn’t it? Certainly enough for you to be able to stop working at a reasonable age and retire in the manner to which you are accustomed… Or is it? And then there is the small question of whether £1 million is an achievable sum. It seems…