As financial planning conversations deepen and explore more value, we find ourselves moving from the empirical to the emotional, from processes to perceptions and from products to people. It’s an enlightening journey that takes us away from numbers and allows us to reflect and reconstruct our future planning approach. But, it’s also extremely challenging as...
“Baby-boomers had, on average, 3-5 employers. Gen-X and Millenials will likely have more than 10.” Ruark Pepler. One of the most important times to reassess your financial plan is when you’re changing jobs or employers. If you have your pension or provident fund transferred directly to you, it could be one of the most damaging...
“Fee-based financial planning is essentially paying a fee for independent advice, regardless of a product sale,” Ruark Pepler. Not every financial planning decision needs to lead to the sale of a product. Sometimes, adding more money to your debt, or paying a fee for advice to confirm that you’re on the right track is worth...
“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!...