Under the title of 'Ties are optional', Les Conway shares his thoughts about what’s going on in the World and how it can affect and impact your lifestyle and finances.  Feel free to sign up here to subscribe to receive.

Adapting to the environment

Posted by siteadmin on Wednesday 7th of April 2021

In the times as we’re facing now and where lots of us have had or will soon have a the COVID-19 vaccine, we need to adapt our lives to what is going to become the norm.

Nature has its own way of adapting and some species have learnt how to adapt, simply to maintain their survival.

The natural world is a tough place. Faced with competition for resources and sometimes hostile climates. But in order to beat the odds and survive, some who inhabit our planet adapt in some very interesting and unusual ways.

One example is the Alaskan Wood Frog ...

What’s important to us and gives our life meaning?

Posted by siteadmin on Wednesday 3rd of March 2021

Many years ago, I decided to undertake some personal one to one training. I was keen to reinvigorate and refresh my zest for what inspired me in my life. Francis Nwofor was someone I knew well from networking. He was a martial arts Sensei and trained in Ju Jitsu and Krav Maga. He uses what he learnt with his skillsets to share with others, helping them to create disciplines and meaning to their lives.

It might seem strange in that I felt the need for training. But no successful sportsperson trains themselves. Expecting that without a constr...

Do we really know what we’re doing?

Posted by siteadmin on Wednesday 3rd of February 2021

It’s not uncommon for people to look at doing things themselves. I’m no different as I often feel that I have the capability of doing things myself where given time, I’m quite capable.

Let’s face it, Google is a wonderful aid to our lives. But can it always tell us effectively, efficiently and accurately how to complete a task.

Before Christmas, I had to undergo some minor-ish surgery. Thankfully, it was keyhole surgery. But I must admit that I was quite nervous when my surgeon sat on my bed prior to me signing the consent form, explaining...

Risk comes from not knowing what you’re doing

Posted by siteadmin on Wednesday 6th of January 2021

This month’s article title is a quote from the well renowned investor extraordinaire, Warren Buffett.
It could be argued that he knows how to manage risk. His track record of sustained success gives him the knowledge, confidence and experience to invest billions into businesses of various types. This alone could be viewed as very risky. But he knows what he’s doing and as a result, the risk is greatly reduced. So perhaps we could say, he knows how to manage 'his level of risk'.

In general, the financial risks we’re most familiar with are:...

Pearl Anniversary

Posted by siteadmin on Wednesday 2nd of December 2020

In my last article, I talked about 2020 marking the tenth anniversary of Essentially Financial. I also mentioned that this was the first of two big anniversaries for me. And here’s the second.

Thirty years is a very long time in anyone’s book. But what a thirty years it’s been!

Just over a year before I became a financial planning consultant in the new year of 1991 for Save & Prosper (part of Robert Fleming bank back then, now morphed into JP Morgan), my daughter was born on the day that the Berlin wall came down.

Since then, we’ve seen m...

Aluminium Anniversary

Posted by siteadmin on Wednesday 4th of November 2020

In my first article of the 2020, I talked about the year marking the tenth anniversary of Essentially Financial.
Back in the early part of 2010, I made the decision to go it alone. The brief being to do things differently and focus on helping to guide people on their lifetime journey through the ever-changing cycles of life.
More so for me though, it was a personal lifestyle change where the time became right to do the same for me also.
With that anniversary now upon us and with the original plan to mark that journey more spectacularly than ...

The Life Stages - Part 2

Posted by siteadmin on Wednesday 7th of October 2020

Following on from the theme that I’ve been focussing on this year and simply broken down, here’s part two of the life stages:-

At retirement

Unless you are the type of person who wants, or needs, to continue working, most people aged 65 within this group wish to retire. That magic date has arrived and it is time to spice things up.

People at this point of their lives have prepared and planned of how they will replace earned income. They reassess their lifestyles and determine what they want to do with their free time. The hard work that has bee...

The Life Stages - Part 1

Posted by siteadmin on Wednesday 2nd of September 2020

Early Accumulation

People in this category are usually in their 20s and 30s and may be looking to continue with their education. They are also likely to be starting their first full time job, then progressing through their career and starting to do well. They may also be considering settling down, getting married and looking to start a family.

This is a great time in life to get organised and begin laying the foundations of successful financial planning for the future. A disciplined approach to our finances at this time of life pays huge divid...

Making sure everything is working properly

Posted by siteadmin on Wednesday 5th of August 2020

I’ve never made a secret of my interest in all things on four wheels and powered by something that make them go quick. But even I with my everyday road car have no real interest in what the technician, engineer or mechanic (or whatever they call themselves these days) would’ve done during the annual service.

All I care about is that when I turn the ignition or select the air conditioning, that it works first time. Every time.

Being told ‘just to let you know sir, that we’ve added this brand-new super-duper-wuper fantastic lubricant, that’ll sa...

Bloodline Protection - What’s that?

Posted by siteadmin on Wednesday 8th of July 2020

As an example, think of your pension as a pot of money that is designed to provide you with your salary in retirement and potentially, in some cases, to provide some benefit to your dependants. As a result, there are very good reasons to have a trust arrangement in place to deal with your pension death benefits.

The benefits and the protection afforded to your family of using a trust in this way could be substantial where they’re able to:- 
  • Provide protection against the value being decimated at a later date, through one or more of your be...


UK News

Sir Keir Starmer accuses Boris Johnson of being at the centre of government "sleaze" amid a fresh lobbying row.
The UK is still in a "vulnerable situation", one of the country's vaccine advisers says.
Juventus chairman Andrea Agnelli says the European Super League project cannot proceed as AC Milan, Inter Milan and Atletico Madrid join the six Premier League clubs in withdrawing.
Ella Adoo-Kissi-Debrah's mother calls on the government to "reduce air pollution immediately".
The monarch's birthday comes four days after the funeral of her husband, Prince Philip.