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Last year, 2023, was a big year for stock markets. But what comes next?

In 1925, the UK government introduced the Contributory Pensions Act. ‍Back then, the state pension commenced at 65, and with a life expectancy of 56, the average male would not even reach pension age. ‍The concept of planning decades ahead was simply not part of our societal or evolutionary blueprint. ‍

When you think of a financial adviser, you may envision someone solely focused on investment strategies, retirement funds, and tax planning. ‍While these elements are crucial, a truly comprehensive approach to financial planning transcends just monetary metrics. ‍It often means going beyond the balance sheet to offer advice on various life choices. 

Conspiracy theories are like the dark corners of human psychology; they fascinate us with the belief that all is not what it might seem. They carry the promise of hidden truths. ‍It's not so much the conspiracy itself – but the psychological mechanisms that make people embrace such theories – that I find fascinating. 

American physician Dr. Peter Attia asked himself, “If I want to live to 100, what do I want to physically be able to do to be satisfied with my life?” Then he made a list and created the Centenarian Decathlon – a framework for him to follow so he'll be able to do everything he wants to be able to do physically at age 100.

The best thing a financial adviser can do is be really clear in their beliefs and the principles that inform their approach to wealth creation. This way, investors (new and old) everywhere can decide whether those philosophies sit right and resonate with them.

When it comes to our finances, the most successful couples work together. It’s about playing to our strengths without dismissing our weaknesses completely. 

Market jitters can tempt investors to focus only on the short term. But this can mean taking a gamble that won’t pay off.

Something that sets us Brits apart from Costa Ricans is our constant desire for growth. This desire for more is partly driven by necessity. Thanks to inflation, we always need a little growth.