What Does Financial Planning Look Like if You Don’t Have Kids?

For generations, financial planning followed a familiar script: build a career, buy a home, raise a family and, eventually, pass wealth on to the next generation. While that path still resonates with many, modern lives are far more diverse.

The reasons for not having kids may differ, but the financial question is often the same: if your wealth is not destined for children, how can it best enrich your life, reflect your values and leave a meaningful legacy long after you are gone?

The Highest Return on Investment May Not Be Financial

We all know investing is about building wealth over time. By saving consistently and investing prudently, we aim to lay the groundwork for long-term financial wellbeing.

But the most fulfilled people are not always those who have accumulated the greatest amount of wealth. More often, they are those who feel that their skills, resources and experiences have become part of something larger than themselves.

Climbing a “Wall of Worry” on an Unstable Footing

Global markets are currently climbing a classic “wall of worry”, stubbornly rising against a persistent backdrop of uncertainty.

However, this rally is increasingly viewed as fragile, driven more by positioning and narrative than by a fundamental assessment of the real risks arising out of the Iran war.

Snakes and Ladders: Managing Your Money in a World That’s Lost the Rulebook

What could a childhood board game possibly have to do with investment advice? Quite a lot, it turns out.
Uncertainty has always been a feature of human history. But in recent years, the volatility has ramped up several notches. Change is everywhere, it seems, and there’s always a fresh crisis around the corner. But amid all the turmoil there is also opportunity. You just have to be prepared to land on a few snakes…

The Psychology of Generosity

Financial planning is often thought of as merely a numbers game. But while investment returns are an extremely important part of securing a comfortable retirement, there is another kind of return that is equally important.

Some of the best returns you’ll ever get can’t be shown on a chart. They are the deep feelings of joy, connection, and purpose that come from being generous. Read on to find out more about the psychology of generosity

Are You Financially Fluent or Just Faking It?

Have you ever wondered why your career is flourishing, but the value of your investment isn’t? From keeping too much cash on hand and falling for “get rich quick” schemes to confusing wants with needs, many people unknowingly sabotage their financial future.
This article explores common money missteps and offers guidance on building real, lasting prosperity. Because when it comes to your finances, the goal isn’t to look rich – it’s to be rich.

Preserving Legacy Beyond Wealth

Immense generational wealth can be a blessing or a curse. Worldwide, most super wealthy families squander 90% of their wealth within three generations. But it doesn’t have to be this way. Family offices such as ours specialise in growing, managing, and, above all, respecting the wealth we inherit. And it all starts with family unity. Legacy planning isn’t just for the super wealthy – the same rules apply to all families.

FOBO: The Silent Saboteur of Wealth

Few threats menace the world of wealth creation as silently, and as corrosively, as FOBO: Fear of Better Options.

Unlike its impulsive cousin FOMO (Fear of Missing Out), FOBO doesn’t drive action. Instead, it whispers, “Wait. Something better might come.” And in that interval, wealth quietly departs.

Financial Advice for Women: It’s Personal

Financial planning is personal for everyone, but there are particular factors that make it especially important for women to take ownership of their financial futures. In this article, we explore why women need to think differently about their financial futures than men. And we provide some suggestions for what women should look for when choosing a financial adviser.

What Divorce Means for Your Pension

Divorce is rarely straightforward. When retirement savings are involved, the process can become even more complex. This guide will help you to make sense of the latest legislative updates, understand your rights, and avoid common pitfalls.

Estate Planning Hack: Unlocking the Power of Beneficiary Funds

What if we told you there was an innovative way to care for your kids after you die that doesn’t bother the taxman?

Read on for the lowdown.

What sets Centric Wealth Advisory apart from other financial planning practices

Since 2021, Centric Wealth Advisory has been an FPI Approved Professional Practice™ but what does this mean and how can a client and the general public benefit from this?

Budget 2025: How It Affects You and Your Business

Here’s a brief overview of how the tabled Budget 2025 proposals will impact individuals and businesses (assuming they come into effect). Professional tax advice has never been more important.

Could You Be Over-Insured?

Long-term insurance – covering life, disability, and critical illness cover – is an essential part of financial planning. It provides security for you and your family in the face of unexpected events.

But it is possible to have too much of a good thing.

Does Your Debt Die With You?

Unfortunately, your debts don’t just disappear when you die – but they don’t necessarily attach themselves to your loved ones either. Your estate must follow the letter of the law in dealing with all your financial responsibilities before anything is distributed to your heirs.

How to Keep FOMO Out of Your Investment Strategy

The fear of missing out (FOMO) is a powerful emotion for many people. And when it comes to investing, it can be a dangerous one. This is because FOMO creates a strong urge to act impulsively – which can have negative long-term consequences. Disciplined investors are able to keep FOMO

Market Update: Trump 2.0 – A Bumpy Ride so Far

Donald Trump’s return to the White House was initially greeted with optimism, with local and international markets experiencing a “Trump bump”. However, global economic uncertainties, including not knowing the president’s next move on tariffs and where interest rates will end the year, are creating a challenging environment for investors to

Navigating Inheritance Conversations: Turning Tough Talks into Lasting Legacies

After your passing, the last thing you want is conflict among your heirs and unnecessary legal drama.

A Comprehensive Shield: Risk Cover is More Than Just Life Insurance

Many people shy away from life insurance because they view it as a tax on their current income in order to benefit someone else when they are no longer around.

Evolving Wealth Part 3: Gen X, Risk Averse but Quick to Adapt

Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil, making them the first living generation to be worse-prepared for retirement than their parents. But they’re also equipped with some financial planning superpowers: they think on their feet and never take anything for granted.

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