"The path to financial independence is far more straightforward than many of us have been led to believe."

 

How I help women with their money

At Simplified Money we offer Financial and Retirement MOTs. Just like the checks for your car, our MOTs help you understand what shape your money is in, how well it is running, whether you are on the right road to achieving your goals – and point out where the weaknesses are, if all is not quite as efficient as it could be.

We are not regulated financial advisers. We do not recommend which product you should have, nor do we suggest you hand over control of your money to us. We just want to help you understand it better. And help you put a plan in place to make the most of it.
So that you fully understand what your options are. And have the confidence to be able to take any action that’s required.

 

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Common money issues my clients have

We are all pretty similar when it comes to our attitude to retirement. We spend the majority of our younger lives seeing it as another country. Somewhere far enough away that we don’t need to worry about it. Not even noticing there might be some plans we need to make. Or understanding how much we are going to need.

Then, somewhere between 40 and 50 or so, something hits us. A growing realisation that ‘the future’ is no longer a concept. It is fast becoming an actual thing. And a thing that, if we get it right, we might get to really enjoy.

Money is not the answer to everything, of course. But it does increase the number of choices you have. And when you simplify your approach to your money, it becomes much easier to manage. Which helps you build confidence in what you can achieve.

All of which leads to a moment of revelation. The moment when you finally relax about your tomorrow. And can get back to enjoying life today.

 

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My answer to a WTF lady's question

Anita, 50, asks...

"I realised a couple of years ago that the actively-managed fund fee is eating into my investment returns. How can I make sure I’m keeping costs down?"

Read Lesley's answer

 

Other questions I've answered

• Are there SIPPs which do the investing for you?
• How should I invest the remainder of my son's savings plan?
• Should I pay off my mortgage or invest?
• Can I drip-feed money from a Cash ISA to a Stocks and Shares ISA?
• I want to set up a pension - robo adviser or SIPP?
• Should I transfer my pension to a robo adviser?
• I've been offered an enhanced pension buy-out. Should I take it?
• Should I increase my monthly payment into my ISA?
• How can I teach children about money?