At the very surface level of constructing a financial plan, the journey can feel linear. We begin with what we have and plan to move towards an end goal of ‘having enough’ and being financially independent. But this is not where financial planning ends; it’s just the toe-dipping beginning as we gain courage and confidence to engage more with our financial planning. It feels linear because financial independence has always been closely associated with retirement, and […]
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Private Assets: Protect and Grow your Capital
Do you ever feel that others have access to better investment opportunities than you? You might be right – it’s certainly not a level playing field. But one investment strategy that family offices, pension funds, insurance companies and banks make extensive use of is private assets. Private assets are investments bought and sold privately between two willing parties i.e. not publicly traded via an exchange. Residential property is probably the most widely held private asset in […]
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The importance of seasons
Seasonal change is all around us, from mother nature’s colourful markers that delineate the year’s four quarters to the festive seasons accentuated by the kaleidoscope of marketing in our stores. Whether man-made or man-followed, seasons are important. They help us plan for and navigate change. WellsFaber has been around long enough to advise our clients through seasons of change – relational, generational and vocational. In a culture of instant gratification, seasons remind us that there is […]
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Learning leverages healthy decisions (1/3)
A curriculum doesn’t drive learning; curiosity drives learning. When we consider the learning pattern of those who are outside of schooling systems, it’s curiosity that drives their learning, not the prescribed milestones of an education system. From Google to TED, from books to stories passed down from our elders, learning is more about readiness than reached milestones. When our learning is stifled, forced or limited by a curriculum, we can become frustrated and suppress our yearning […]
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Cultivate cunning-investor habits
We’ve said it before; we’ll say it again: the markets don’t make us wealthy; our habits make us wealthy. Investment success is primarily due to behaviour – not luck. As you will probably know, one of the mature investment perspectives reminds us that it’s not so much about timing the markets as much as it’s about time in the markets. This means we need strong resolve and a seasoned perspective to stick to healthy financial habits, […]
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Charge what you’re worth
“How much should I be charging my clients?” This is a common question as we work with an increasing number of people setting up their own businesses. In the wake of a radical economic downturn, our creativity and necessity to generate an income spark new business ideas. The entrepreneurial spirit begins to take centre stage in the micro economy, and we have an awesome opportunity to create value for others. And this is how we answer […]
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Breast Cancer: Awareness is key
When it comes to financial planning, we acknowledge that we cannot avoid all risks, whether in the markets or in our daily lives. Although we can’t avoid risk, we can reduce our exposure (mitigate) to risk. When it comes to breast cancer, awareness is helpful for peace of mind and reducing our risk. October marks Breast Cancer Awareness month, the most common cancer in women. According to the National Cancer Registry, around 1 in 30 women […]
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What happens to our passwords when we pass?
Estate planning, wills and final testaments are not easy processes to navigate. Setting up life cover and considering what will happen to your family when you pass away can be deeply emotional and an experience many would rather avoid. But as technology helps us create farewell videos, family portfolio galleries and digital vaults, it has made the experience a little less technical and considerably more emotionally engaging and fulfilling. However – we often plan for the […]
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Six areas of financial planning
Have you ever gone down the #Fintwit rabbit hole? According to fintwit.ai, #Fintwit is a vibrant community of investors on Twitter, who tweet trading ideas, active trades, personal portfolios and well thought out insights about financial securities. Millions of investors around the world are increasingly using Twitter to stay abreast of the financial market and make informed investment decisions. This financially savvy community is almost as popular as the #BTC (bitcoin) and #crypto communities who are […]
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Investing in your forties & fifties
As with all stages in life, we experience change and growth. The way that we work with our money is different with each decade or each significant milestone. These changes impact our earning ability, budgeting behaviours and the way that we perceive and define value. When we’re young, the value of a robust financial portfolio for our later years is less important as it feels so far off into the future. But with each passing period […]
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