-
Like going out for a training ride when you're tired. If you can just get your foot out the door, you're 95% done completing the training session. :)
hippy-
I completely understand. So much second guessing about what and where you should invest in.
My best suggestion for you is Nutmeg. All that worrying about where to put funds is taken away from you and they can help you choose appropriate portfolio based on risk. They aren't too expensive, and have decent returns. I would suggest putting a small amount in and seeing what happens. If you are happy then start regularly contributing as this is far better in long run. I have nothing to do with Nutmeg btw - I use it and have recommended many people to do it. There are other similar offerings out there so suggest looking at them as well.
In terms of finding IFA's it's hard to know. My suggestion would be to find someone you genuinely like and could happily go for a beer with. As soon as they start pressuring you into doing stuff send them packing. Be completely honest about your expectations and make them work for their fee. Finally, if you can, get some references from their existing clients - some provide this, sometimes can find via google. Can't really offer much more than that, but treat them like you would any supplier, make them earn their fees, keep them honest and only do what works best for you.
tc
Agree!
Also worth noting, places like SJP and HL do not charge for first meeting. Whilst the first meeting won't give you all the info you need, it's a great opportunity to understand what sort of things you need to consider when planning. Can use this and the head off into the sunset with a better idea of what sort of things you need to do/look at