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Retirement used to mean the end of working life, but that’s definitely no longer the case. People are living longer, staying healthier and keen to make the most of the time they have left. That’s where financial independence comes in. What does financial independence mean? Financial independence means having enough income from your assets, investments or part-time work to cover your desired lifestyle, without relying solely on a pension. It gives you the flexibility to keep working if you want to, or to pursue hobbies, travel or even launch a second career. Essentially, it’s about choice, not just having enough to get by. Rethinking retirement The real goal of financial

People are increasingly seeking financial guidance on social media. While financial influencers – or ‘finfluencers’ – can be useful in raising awareness around financial matters, there is also a darker side to the growth of unregulated advisers. Social media age In the UK, more than one in four people use some combination of social media, community messaging apps and online forums for investment guidance, research4 shows. Of those who get their investment advice from social media, one in five cited ‘free access to financial experts’ as a reason. Meanwhile, one in four pointed to the fact it was ‘quick and easy to use’ as justification. Not all advice is equal