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Financial planning is not about products

In financial planning businesses such as our own, a relatively small proportion of our time is spent dealing with the implementation and servicing of financial products on behalf of our clients. Because financial planning is so much deeper than simply putting products in place.

Instead our clients today come to us

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What’s changed over the last decade?

History teaches us many things. Particularly if we’re looking for a bit of guidance in prudent personal financial management, the last decade offers us a wealth of useful lessons.

During the last decade we’ve seen a (hopefully) once in a lifetime global economic collapse, the entire banking system teetering on the

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