The concept of FIRE (Financial Independence, Retire Early) has attracted growing attention in recent years. While the idea of leaving work decades before the traditional retirement age sounds appealing, FIRE is really about something much more valuable: having choices. Financial independence means reaching a point where your investments, pensions and savings can support your lifestyle without you being entirely dependent on employment income. For some, that may mean retiring

By Sian Hinton-Woodier FPFS, Amber River Premier Most people do not make bad financial decisions. In fact, the biggest issue is often something much quieter. Putting things off. Whether it is reviewing pensions, sorting savings, or making important financial decisions, it is very common to think: “I’ll deal with it later.” At the time, it feels harmless. Life is busy, there are always more immediate priorities, and finances can often feel complex or overwhelming. But over tim