The complex world of Retirement Planning.

I have been a dedicated Employee Benefits/Retirement Consultant for the best part of 30 years. Each year I learn more about the crazy concept of retirement and retirement planning and each year I remain optimistic that the industry will find a silver bullet, a holy grail, that will make planning and saving for retirement easy and understandable.  I have seen …

Lessons to use for your future

There is an inherent duality with money. The duality exists through our individual and collective consciousness about it as an energy of exchange. When it is abundant it is the great enabler of our time. When it is lacking it can destroy our self-esteem, creative force, and our human spirit. The thing about money is that it is passive and …

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Financial Vulnerability

Firstly, what is vulnerability? Each one of us could attach our own meaning, our own context or both. It is clear to me that the word and the energy expressed through the word has a duality. One context is that it implies a weakness, often a weakness that can be exploited. I prefer to listen to the radio while driving …

Debt, stress and the modern world.

Two constants in our modern society are the importance of money and the unwavering onslaught of various forms of stress. For most people, the topic of money in itself is stressful. In a sense, most of our lives are entirely based around the pursuit of money. Let’s be honest , we need it for almost everything. A side effect of …

Why Financial Freedom is better than being Rich

What is the difference between being rich and having financial freedom? Are they not the same thing in different semantics? There is a definite cross, but let’s get a more layered description of the two concepts. In my 30 years experience of dealing with clients, I have gained a few insights. In my early years as a financial planner I …

Five reasons why retirement planning is important

When a sailor charts a course, he/she has a good chance of reaching the destination. There could be many challenges on the journey. For some sailors it is about the destination and for others it is about the journey. Why not see your retirement planning as a journey. A journey that is about you. About you taking a journey into …

Why do we give money power?

Let’s turn our attention to money!!!! What is money and why do we give it so much power? There are many conflicting attitudes we all have towards money. Starting with the biblical one that the love of money is the root of all evil, through money is the great enabler of lifestyle and consumption in this present time. Wikipedia gives …

The basics in terms of Retirement Planning

We all wish for the gift of living to an age where we have the privilege of retiring. After many years of working and producing, the idea of being free, (physically, mentally, spiritually and financially), to add life to our later years. Over the next series of blogs, we will explore the life long journey to what society touts as …