“Just because you have an RA, doesn’t mean you’ll be able to retire,” Ruark Pepler. There are many hard truths that people only face a few years away from retirement when it’s possibly too late to make subtle changes to their plan. The earlier you can tackle these misconceptions, the sooner you can fix them!...
One of the hardest questions to answer when it comes to financial planning is: How much do I need? There are two ways we can look at this. Either, I believe that my external circumstances will eventually reach a point where I have earned enough, and I’ll finally feel that I have enough. Or, I...
“If I had a penny for every time I put something off until tomorrow, and never got to it… I’d put them all in a sock and hit myself with it.” Unknown In our digital age, it has become increasingly easy to create lists of things to do and remember. We can just call out...
“In short, we call this an emergency account,” Ruark Pepler. Many people have heard, but not heeded, the advice to “save for a rainy day”. In financial planning terms, we view this as an emergency account and it should form a basic part of every financial plan. Your emergency account must: Be easily accessible Not...