Retirees don’t only have to be extra careful not to contract the virus; they also have to face up to the serious dent that the stock market

The 4% rule states that if you withdraw 4% from your retirement portfolio annually (inflation adjsuted), your savings will last for 30 year.

When it comes to personal finance, the keyword is “personal” - there’s no one-size-fits-all approach that works for everybody.

Your home is your castle. Of course, it is. But don’t think for a minute that your castle will provide for you in retirement.

‘Do not dictate to them… Always keep the conversation casual, and put their needs first.’

I was motivated to become a financial adviser because brokers misled my family after my father's death.