Sue Torr
Few areas demonstrate the price of indecision more clearly than debt. High-interest loans left unconsolidated grow relentlessly as interest compounds. What may once have been a manageable problem quickly escalates into a burden that feels insurmountable.
Another overlooked pitfall of the DIY approach is the failure to account for hidden costs. Taxes, transaction fees, and capital gains implications can significantly erode returns if not carefully managed. From experience, we’ve found that investors are surprised to learn
Despite the financial safety net that inheritance provides, many heirs are determined to carve out success on their own terms, often emphasising that their careers, businesses, or philanthropic pursuits should stand independently of the family legacy. For these individuals, inherited
Debt rises and falls, careers pivot, children arrive and become financially independent, businesses are started and sold, and retirement draws nearer. Meanwhile, insurers refine products, adjust definitions and release new features.
Inflation may feel like a distant concern when you’re still earning, but in retirement, it becomes a silent assassin of purchasing power – keeping in mind that even modest inflation erodes the value of your income and savings over time.
The first risk of over-providing is that of entitlement. When children never experience financial difficulty or financial limitations, they may grow to view privilege as a right, rather than a gift.
Overconfidence bias occurs when investors overestimate their knowledge, downplay risks, or believe they can predict outcomes with greater accuracy than is realistically possible. It is a deeply human tendency to put too much faith in one’s own judgement, even when
Understanding that money decisions are emotional does not mean ignoring financial logic. Rather, it means recognising that good financial planning must account for both the head and the heart. Clients need to be guided through their emotional biases, not judged
Every asset in a portfolio should have a defined role—whether for growth, income, diversification, or liquidity. Random collections of investments rarely coalesce into meaningful outcomes. On the other hand, investing with intent means resisting the temptation of shiny opportunities that
Surprisingly, drafting a will is often viewed as a stand-alone exercise – and yet a will is not merely a legal formality, it is a cornerstone of estate planning. Responsible drafting requires knowledge of the client’s assets, the jurisdictions in
