Insurance. People don't love insurance. Until they need it. Then they love it butoften at this point it's too late...

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Pensions.  People don't hate pensions. But sometimes they need to be reminded that they need time to build a fund adequate if not to replace their income from labour, at least enough to produce something meaningful. It cannot be done the day before.....

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Savings. People do save, subject to disposable income given the punishing demands of a seemingly ever increasing costly economic landscape. But sometimes they are not saving tx efficiently nor in the places most bountiful.

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Estate planning. Despite the inarguable evidence to the contrary, people often live as if immune to death. They put things off....

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Mortgages. A debt secured on a house, that's all a mortgage is. And yet it's become so suffocatingly bureaucratic and strict parameter led environment. Affordability, bad credit, term of loan, maximum and minimum ages, so many moving parts. So easy to go wrong.

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Other stuff. So much other stuff. Tax, legal, trusts etc... , areas of this nature frequently colliding with all the rest.

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