Are you an orphan?

Are you an orphan?

by | Apr 29, 2013 | Uncategorized

The opening sentence of a recent article I read was:  “I am now officially an orphan – an orphan client. My adviser rang me a few weeks ago and said he’d had enough.” Prior to the recent changes to the way Independent advice was delivered and paid...
The birth of Critical Illness Cover

The birth of Critical Illness Cover

by | Apr 2, 2013 | Uncategorized

One of the seminars I was most honoured to host was when Dr Marius Bernard shared the history of a pioneering protection contract that he founded back in 1983. The seminar was held in The Gwernllwyn in Cross Hands back in the early 90’s. Dr Marius Barnard was...
Give Yourself Permission

Give Yourself Permission

by | Mar 1, 2013 | Uncategorized

Very often we waste time and don’t accomplish things because we are waiting for someone’s permission to do something. Often that permission doesn’t come in time. Sometimes we are waiting for permission we don’t need but believe we need. At...
Honey, have you seen my pension?

Honey, have you seen my pension?

by | Nov 16, 2012 | Uncategorized

“One in six workers ‘lost track’ of pension pot.” That was the headline I read in an article dated 5.09.12. The following day a message was left on our answer machine from someone who wanted to see us asap.  An appointment was arranged for the following day and to our...