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Self-build VAT guide

Recent court cases highlight importance of having insurance cover for horses

The financial life cycle

In the first of a six part series Robert McOwan explores your financial life cycle. Using his experience in both business and personal financial planning, Robert this week gives an overview of the four stages in a financial life cycle.

Living Beyond Their Assets

When people are working and are observed to have say two holidays a year, new car, expensive clothes, and social spending that looks like it is off the scale it may cause “living beyond their means” to be mentioned. Not as obvious to observers but very challenging financially to people close to or actually in retirement is the fear of “living beyond their assets”.

Living on the Edge

There is no polite or easy way to state that failure to protect income is not clever because a sudden loss of it usually brings very significant financial and personal challenges. What happens is probably best understood by someone who has watched their income, which may have been taken for granted, disappear. The next payday is your last is a sobering message. Especially when all existing direct debits and every other financial commitment, entered into wisely or not, must still be met.

The financial lifecycle of the pharmacist

In the first of a six-part series, Robert McOwan explores the financial lifecycle of the community pharmacist. Using his experience in both the business and pharmacy sectors Robert works as a financial advisor offering both business and personal financial planning. This week he gives an overview of the four stages in a financial lifecycle

How the pharmacist can plan for income in retirement

In the second instalment of a six-part series, Robert McOwan continues his exploration of the financial lifecycle of the community pharmacist. Using his experience in both the business and pharmacy sectors, Robert works as a financial advisor offering both business and personal financial planning. This month he discusses planning for retirement.