Best Life Financial Planning Ltd

Best Life Financial Planning Ltd Helping people plan for retirement. Aligning their money with what is important to them.

Most investors haven’t paid the real admission price yet. Investing is often compared to a rollercoaster. But here’s the...
05/05/2026

Most investors haven’t paid the real admission price yet.

Investing is often compared to a rollercoaster. But here’s the thing — when you go to a theme park, you pay the admission fee before the ride starts. For many people who began investing seriously in the last few years, they’ve only experienced the queue.

The real cost of admission is the gut-wrenching volatility that will come at some point — a prolonged downturn where everything you’ve built looks like it’s unravelling. If that sounds like you, it’s worth asking yourself honestly: would I stay the course?

The best preparation isn’t predicting when it happens. It’s making sure you’re properly diversified and have a strategy you can actually hold through the storm whenever it happens — not one that only works in calm weather.

If you’re not confident that you’d stick with your portfolio when volatility hits, feel free to send us a message.

A short conversation now could save you from a costly decision later.

Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.

Most people think financial planning is about sacrificing today for tomorrow. It doesn't have to be. The best financial ...
01/05/2026

Most people think financial planning is about sacrificing today for tomorrow.

It doesn't have to be.

The best financial plans we write aren't just about saving hard and waiting. They're about helping you live well right now — while building the security that means you can keep living that way long into retirement.

If you're 5–15 years from retirement, the decisions you make in this window matter more than most people realise. Not just for your future — but for how much freedom you have today.

We work with clients who want both. More holidays now. A new kitchen. Time with the grandkids. And the confidence that retirement won't mean downgrading the life they've built.

That's what joined-up financial planning looks like.

If that resonates, I'd love to have a chat. First conversation is always free. ☕
📞 01243 956650 | 🌐 bestlifefp.co.uk

Thank you to Chris Whitney Photography for the Felpham beach Photo 😀

The ISA rush is over. The pension allowance emails have stopped. My inbox is finally below 200.So naturally, I've decide...
29/04/2026

The ISA rush is over. The pension allowance emails have stopped. My inbox is finally below 200.

So naturally, I've decided to spend my newfound free time crafting LinkedIn posts.

Being the analytical geek that I am, I have modelled the expected returns on this strategy carefully:

📊 4 likes from other financial advisers

📨 3 connection requests from recruitment consultants

💬 2 DMs from active fund managers who've just beaten the market (this quarter)

But if one person reads something here and feels a little less confused about their finances — I’ll take that.

Right. Back to the content calendar. 🚀

Knowing where to put your money is one of the most common worries I hear from people.Shares, gold, property, bonds — it'...
29/04/2026

Knowing where to put your money is one of the most common worries I hear from people.

Shares, gold, property, bonds — it's a lot to navigate. And when everyone has a different opinion, it's easy to feel like you need to outsmart the market just to stand a chance.

I don't think that's the right approach.

What I believe in is simpler: let the long-term data do the talking.

Take this chart. If you'd invested £100 in stocks back in 1965, it would be worth around £43,000 today. The same £100 in gold? About £12,000. Not because anyone had a crystal ball — just because of time, consistency, and a strategy built on evidence.

The goal isn't to beat your friends or time the market perfectly. It's to find an approach that's statistically likely to help you reach your financial goals — and one you can actually stick to when markets get bumpy.

Past performance doesn't guarantee future returns. But ignoring 60 years of data doesn't seem smart either.

If you're trying to make sense of where your money should be working for you, I'd love to chat. You can send me a message or book a call with me via the link below. 👇

There’s 5,070 ISA millionaires and over 94% of them are held by people with stocks and shares ISAs. What does this tell ...
24/04/2026

There’s 5,070 ISA millionaires and over 94% of them are held by people with stocks and shares ISAs.

What does this tell us about the benefits of investing?

Getting people to switch from a savings mindset to an investing mindset is often a key part of our financial plans. It’s often deeper than that too, taking people from a place of scarcity to abundance.

It requires getting people fully committed to the strategy.

Thankfully, our investment philosophy is based on evidence and data, not feelings and hunches. So we can feel some comfort from knowing that the investment strategies have stood the test of time.

This statistic is based on the most recent published data from HMRC.

This post should not be construed as financial advice. Always seek advice based on your own personal financial position.

Past performance is not a guarantee of future returns.

Donald Trump Would have more money if he had just taken his inheritance and invested it in an index fund.  Despite every...
10/04/2026

Donald Trump Would have more money if he had just taken his inheritance and invested it in an index fund.

Despite everything we may think of him today, Donald Trump has long been regarded as a great businessman. So it might come as a surprise to learn that he would likely have ended up wealthier had he simply taken his inheritance and invested it in the US stock market.

I first came across this striking fact a few years ago, and I was amazed. All that dealmaking, all those ventures, all that effort — and a simple index fund would have done better. He could have saved himself an enormous amount of time and stress by letting the market do the heavy lifting.

And here's the thing: so can we.

By steadily building up investments in the stockmarket, we can put our money to work in a way that most people never consider. Think about what that actually means — thousands of companies, employing millions of people, producing goods and services for consumers every single day. As investors, we become part-owners of all of that. We have an army of people working on our behalf, without us having to lift a finger.

It really is that simple.

You can read more about this by clicking on the article link in the comments. The article is a few years old now, it would be interesting to know if anything has changed since then.

I started working with Shirley probably 8 years ago. Retirement seemed way off. Today is her first day of retirement. Ea...
01/04/2026

I started working with Shirley probably 8 years ago.

Retirement seemed way off.

Today is her first day of retirement. Earlier than initially planned. She should be able to enjoy her freedom with the comfort of knowing that she has a robust financial plan in place.

Enjoy it Shirley!

If you play golf ⛳️, live in the UK 🇬🇧 and have a pension. This is worth a read: Imagine you are having the best round o...
27/02/2026

If you play golf ⛳️, live in the UK 🇬🇧 and have a pension. This is worth a read:

Imagine you are having the best round of golf of your life.

You are hitting driver off most tees, you’re feeling confident and you start to wonder what score you might shoot.

But then you get to the 14th hole and you start to play more cautious. You start trying to protect your score. You start hitting irons off the tee. You don’t quite strike your tee shot and you’re left with 200 yards to the flag. You make a bogey.

In the last few holes you end up in bunkers, ditches and you have some tentative three putts. You end up level with your handicap. You changed your approach and it messed things up for you.

I think all of us golfers have been in this position at least once. I certainly have on many occasions.

Why I am talking about golf on a business / professional social media platform?

Because what I have described is analogous to what happens to most people’s workplace pensions. They get fantastic growth in the early years, but then the funds get de-risked and investment returns are limited as the investor approaches their retirement age (sometimes as early as 15 years before).

This is called lifestyling and it is really common.

Lifestyle strategies often result in investors missing out on investment returns right around the time when they have the biggest portfolio value and investment returns can have the biggest impact. If you are planning to keep your money invested when you retire (and not buy an annuity) these lifestyle strategies are often not suitable.

When I think of these lifestyle plans I often think about what Warren Buffet would do. He made the vast majority of his wealth after age 60 by staying fully invested in the stock market. A bit like Tiger Woods who carried on hitting his driver on the last few holes, even when he was leading.

So if you are aged 45 to 60 and you don’t want your retirement plans to be negatively affected by an overly cautious approach. This may be one area of your finances which you should review, and of course I would be happy to help.

This post should not be construed as personal financial advice to any one individual and is for information purposes only.

Past performance is no guarantee of future returns.

Taking a driver may not always result in favourable outcomes. Please consult with your sports psychologist.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

A lot of late evenings spent working in a very wet Felpham Village recently. We feel very lucky to serve the local commu...
02/02/2026

A lot of late evenings spent working in a very wet Felpham Village recently.

We feel very lucky to serve the local community as well as our brilliant clients from further afield.

Thanks to my Mum for the photos!

We have been really busy at Best Life Financial Planning in January. A combination of factors contributing to this:👉 6 n...
22/01/2026

We have been really busy at Best Life Financial Planning in January.

A combination of factors contributing to this:

👉 6 new and existing clients facing redundancy - with various planning around this and decisions to make

👉 A number of new clients keen to kickstart 2026 with financial plans - a combination of business owners and successful professionals

👉 Investment Portfolio Reviews being issued to 65 brilliant families

👉 Annual Planning meetings with 6 clients - with follow up reports issued to all.

It's been so busy I've barely had time to post on Social Media but here we are. We've also picked up a couple of nice reviews recently as shown in the image below.

I feel very lucky to work with such great people in a job that I genuinely love 😀

Anyone else absolutely freezing cold and wearing all the layers whilst working in their office/home office today? Our of...
06/01/2026

Anyone else absolutely freezing cold and wearing all the layers whilst working in their office/home office today?

Our office is a bit old school and the electric radiators take a while to get the office heated up!

We’re putting the finishing touches to our investment reviews at the moment, ready to send out to our clients this month.

2025 saw the third consecutive year of stock market gains. Will 2026 deliver a 4th?! Let’s make sure we are prepared for whatever happens.

Address

Suite 2a, Church House, 94 Felpham Road, Felpham, Bognor Regis
West
PO227PG

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