Two colleagues went on holiday separately. One had a great time. The other had a miserable experience. Their respective stories provide valuable lessons, not just about taking a vacation, but about investment.

​You are forever hearing me talk about the value of independent or conflict free financial advice.   While it is not all about the money, here is what it can mean in pure dollar and cents terms. 

These are two case studies of actual clients that I have been helping in the last month.