When it comes to life insurance, one of the most common questions people ask is: How much cover do I actually need? While the typical rule of thumb suggests between 10 to 15 times your annual salary, the real answer depends on your unique circumstances, responsibilities and financial goals.

Also referred to as an “economic reality check,”, lifestyle audits are not just for the rich and famous, and not just useful to the tax collector! Have you ever looked at your bank statement and wondered, “Where did it all go?”

It’s a tempting idea, isn’t it? The thought of managing your own finances, designing your own investment strategy and making the “right” moves with your money, all without the need for professional guidance.

Financial advice is about more than just investments and returns, it’s about trust. One of the most important, yet often overlooked aspects of that trust, is how you pay for your financial advice. It’s a conversation that affects every investor, expat and retiree, regardless of where they are in the world.

Financial success isn’t about luck and it’s not about making one perfect decision that changes everything. It’s about consistent, intentional choices that build toward a future you actually want.

As Easter approaches, many families gear up for the traditional egg hunt, combing through gardens and parks in search of colourful treasures hidden by the elusive Easter Bunny. However, in the world of finance, the hunt for savings takes on a different meaning, prompting individuals to question whether they are on the trail of a mere seasonal delight or a lasting financial nest egg.

My journey as a financial planner began some 28 years ago. Beginning as a part-time advisor and learning the ropes, after four years I decided to join a corporate as a full-time advisor. During this time, I went through rigorous training and grew from advisor to executive financial advisor and obtained my CFP®. Through consulting and engaging with clients it became evident that the clients I saw wanted and needed more than to be sold financial products.