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Being independent financial advisers, people often come to our offices knowing that they have a financial issue, but not knowing exactly what it is. 

Often, at the root of this issue is the concern about whether they have ‘enough’.  We favour a pragmatic approach rather than resorting to a crystal ball. The first step involves asking yourself what you are trying to achieve. 

It's important to remember that there is no correct answer.  Everyone is different, everyone has their own drivers in life and a personal attitude to risk. The important step is knowing yourself and knowing what you want to achieve.

Let's take the example of the business owner - why are you running your business? How much do you want to sell it for?  And how much might you actually get for it?  (In our experience, these two figures are often some distant apart). Read more