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Financial independence v retirement: What’s the difference?

Financial independence v retirement: What’s the difference?

by Gavin Johnson | Nov 13, 2026 | News

Financial independence is often associated with retirement, but the two aren’t the same. Understanding the difference could change the way you approach your finances and the outcome of your plans.  Retirement is the milestone when you stop working  Retirement is...
The “four seasons” portfolio: How to weatherproof your wealth across economic cycles

The “four seasons” portfolio: How to weatherproof your wealth across economic cycles

by Gavin Johnson | Nov 13, 2026 | News

Just as you wouldn’t build a wardrobe consisting entirely of winter coats, you shouldn’t build an investment portfolio designed to withstand only one financial season. Moreover, predicting the direction of the global economy is notoriously difficult. Even professional...
Early estate planning: 4 reasons why peace of mind could be the greatest gift to your family

Early estate planning: 4 reasons why peace of mind could be the greatest gift to your family

by Gavin Johnson | Nov 13, 2026 | News

It’s easy to push estate planning to the bottom of your financial to-do list while balancing the daily demands of family, career, and personal goals. However, putting a clear estate plan in place early is not an administrative task to leave for retirement. Moreover,...
Is there an “AI bubble” and what could it mean for investors?

Is there an “AI bubble” and what could it mean for investors?

by Gavin Johnson | Nov 13, 2026 | News

AI technology stocks have experienced volatility in recent months, raising concerns among investors that the market could be in a bubble. But what does a bubble mean and how could one bursting affect investors?  Cognitive bias drives stock market bubbles A market...
The hidden investment risk of overlooking the bigger picture

The hidden investment risk of overlooking the bigger picture

by Gavin Johnson | Nov 13, 2026 | News

Investors often focus on what’s happening now, rather than looking at the bigger picture. While that might seem harmless, it could foster a short-term mindset, leading to financial decisions that don’t align with your goals. After all, when you’re investing, you’re...
Paying tax in retirement: What you need to know and strategies to manage your bill

Paying tax in retirement: What you need to know and strategies to manage your bill

by Gavin Johnson | Nov 13, 2026 | News

Amid everything else you’re thinking about as you prepare for retirement, tax might not even cross your mind. You may even think it’s not something that will affect you once you stop working. Yet the income you receive in retirement could be taxed and a growing number...
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Recent Posts

  • Financial independence v retirement: What’s the difference?
  • The “four seasons” portfolio: How to weatherproof your wealth across economic cycles
  • Early estate planning: 4 reasons why peace of mind could be the greatest gift to your family
  • Is there an “AI bubble” and what could it mean for investors?
  • The hidden investment risk of overlooking the bigger picture

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A New Chapter – Free Book

Securing your financial future after divorce or bereavement.

Life has changed. Your finances can too.

Download or request a copy of A New Chapter, a free book from Chartered financial planner Gavin Johnson, and take the first step toward clarity, confidence, and control.

In the book, you’ll find:

  • Practical advice on pensions, budgeting and investing
  • Supportive guidance through emotional and financial changes
  • Available as a free digital download or print copy.

Plan your next chapter with confidence.

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