Month: January 2019

Holidays on the beach? Pottering about in the garden? Long walks in the countryside? A blank calendar. Doing what you want when you want. Doing nothing if that’s how you feel that day. After a lifetime of working 40 hours every week, I’m sure this scenario sounds appealing to many soon-to-be retirees. But the surprising […]

When you begin the longest holiday period of your life, relationships come right to the forefront, be they existing ones or new ones forged as you transition into this new chapter, and its these relationships, and how you approach them, that can help to make this period rewarding and fulfilling. Relationships Your spouse isn’t the […]

Time without the structure that work provides can be challenging for retirees. The very notion of time can take on new meaning. Without meetings and project deadlines to worry about, time can seem so limitless that it’s overwhelming. It’s like an artist staring at a blank canvas – where do you begin? So how will […]

Welcome to my series of blogs and articles or commentaries (however you prefer to classify them). These are designed to keep my clients informed and for any prospective new clients to get a feel for what we do at Hartcliff and illustrate how we differ from conventional Financial Advisors. I have themed my blogs and […]