Enjoy the journey….

Enjoy the journey….

We received an unwanted update this week; to be told that the end of lockdown restrictions on 21st June were being pushed back by four weeks. This is a blow to many and is understandably causing a lot of controversy within our government and media. I have heard many...
Decumulation

Decumulation

Decumulation in the Collins English Dictionary is defined as ‘a decrease in amount or value’. In recent years it has really come into focus in our industry particularly when the pension freedoms were introduced, and it became possible to simply drain a pension fund in...
Buckets and your savings

Buckets and your savings

Yes, buckets. I like using the 2 bucket method for washing the cars. One for mucky water, one for clean, soapy water. A bit of faff? Trust me, it’s the way forward. How do you manage your money? All in one pot? I was talking someone recently and we talked about 3...
Face to face financial planning

Face to face financial planning

We are one year on at WKM and I have to say I am delighted with our progress.  With the support of clients and professional relationships, we have been able to create a diverse client base which provides us with a secure line of business for the future.  I think it is...
Collaboration

Collaboration

A hallmark of our planning with clients is to work closely with their other professional advisers (accountants, solicitors, finance brokers).  It may sound like a ‘given’ but you would be surprised how many advisers work on their own when advising.  I prefer to run my...
Feedback is a gift

Feedback is a gift

How often do we ask for feedback? If your answer is ‘never’ or ‘not a lot’ then it may be worth thinking about the reasons why. A lot of people take the stance that no news is good news, therefore if they’re not asking for feedback and aren’t receiving any then they...