Life First
How do I know when I've got enough?
Insights
Clear thinking on work, wealth and freedom.
Straight answers to the questions senior executives, partners and business owners actually ask. No product pitches. Written by Ian Richards, Chartered Financial Planner.
Start here
Make Work Optional
What are your Freedom Number and Freedom Age?
How much you need for work to become optional, when you'll get there, and why most plans never calculate it.
Rich on Paper
Should I sell my RSUs when they vest?
Tax, concentration and a simple rule for every vest, so your shares build choices rather than risk.
All articles
Life First
Can we spend more now without damaging the future?
Life First
Can we pay school fees and still make work optional?
Make Work Optional
Why "retire at 55" is the wrong question
Make Work Optional
How much do I need outside my pension to slow down in my 50s?
Rich on Paper
What if my LTIP, IPO or business sale never pays out?
Rich on Paper
Equity partners: turning peak earning years into lasting wealth
Rich on Paper
Business owners: is your personal plan ready before the business is?
All articles
Life First
How do I know when I've got enough?
Life First
Can we spend more now without damaging the future?
Life First
Can we pay school fees and still make work optional?
All articles
Make Work Optional
Why "retire at 55" is the wrong question
Make Work Optional
How much do I need outside my pension to slow down in my 50s?
All articles
Rich on Paper
What if my LTIP, IPO or business sale never pays out?
Rich on Paper
Equity partners: turning peak earning years into lasting wealth
Rich on Paper
Business owners: is your personal plan ready before the business is?
Ask Ian
Real questions. 60-second answers.
I earn £300k+. Why don't I feel financially free?
What if I don't actually want to retire?
Could I afford to take a job paying half as much?
How close are you to making work optional?
Three minutes. See where your plan is strong and what to focus on first.
Want to know what this means for you?
A free 45-minute Discovery Call. No preparation and no pitch.
Book a Discovery Call.Or take the 3-minute Make Work Optional Scorecard
