Self invest pension schemes are the furthest thing from your newly graduated friend’s mind. She just worked her buns off at the sharp
end of the education system for more years than she would care to remember and is just starting out on the “second phase” of the
journey that we call life. What she needs is a regime of sound financial planning and someone to guide her through the minefield of
pension provision and the general principles of fiscal probity. What she wants is a huge great bottle of wine and a chance to let her
hair down? Pension planning can wait? Give her what she wants?
