Sephton Financial Blog

When it comes to planning for your child’s education, many parents (and even grandparents) feel pressure to save as much as possible for college, often at the expense of their own retirement savings. However, it's essential to remember that while loans are available...

Many of us plan for life's major milestones—marriage, buying a home, or retirement—but one area that is often overlooked is planning for the inevitable: our final arrangements. Pre-planning, when it comes to funeral and burial arrangements, involves making key...

For high-net-worth individuals (HNWIs), transitioning careers or venturing into entrepreneurship by starting or buying a business comes with a unique set of challenges and opportunities. While the financial stability you've achieved offers a cushion, it also requires...

For those who have accumulated substantial wealth, the focus often shifts from simply growing assets to ensuring they are preserved and strategically expanded over time.  This is a transition and can often require a mindset shift. While building wealth is an...

Inheriting money can be both a blessing and a source of stress. Whether you've received a small amount or a substantial sum, it's important to handle this newfound wealth with care and foresight. Here's a step-by-step guide on what you should do when you inherit money...

Blending families can be a joyous yet complex process; bringing together different dynamics, new financial considerations, and the emotional adjustments. Whether you're newly remarried or preparing to tie the knot, here are essential steps to ensure a smooth...

Transitioning from a career-driven life to one filled with relaxation, new opportunities or new experiences is exciting but don’t let that excitement be short lived! For those transitioning into retirement or considering early retirement, the journey requires careful...

I recently picked up golf, and it's fascinating how many parallels exist between the sport and investing. Both require patience, strategy, and the ability to adapt to changing circumstances. Just like transitioning through different phases of life, whether it's a...