As a financial adviser, what I have found in all my years of working with people and their money, is that financial clarity is often missing for the majority of people. Often they stumble through life, doing the things that other people do, buying a house, getting into debt, topping it up for holidays or a pool or upgrading their house every few years.

Just having a goal without questioning whether or not it’s the right goal for you and whether it will take your life in the direction you’d like it to, means you can waste a lot of time chasing other peoples dreams.

With rising interest rates and an increasing cost of living, paying down your debt and reducing your interest costs is now more important than ever.

Compound interest is like a magic snowball that grows bigger and faster as it rolls down the hill. When it’s working in your favour, it’s a beautiful thing, when it’s working against you it can be suffocating. In this article we’ll examine; how compounding interest works, how compounding interest works against you if you don’t wise up to it (particularly in relation to bad debt) & what the practical things we can do about it are

When it comes to securing finance for a commercial property investment, choosing the right financial adviser can make all the difference in getting the right commercial loan for you. With expert advice and access to a much wider range of lending providers, a financial adviser can help you navigate the complex process of obtaining a suitable loan.