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There is much talk at the moment on the financial planning industry, the fees and commissions earned and what is the right model going forward.

Recent governance has called for a fee for service based model but the FPA seem reluctant that this is the best model. Independent Financial Advisors are popping up where they offer a fee for service model and then rebate any commissions paid. When I recently asked about their fees, there was not a set hourly rate similar to other service based professions to use as a consumer guide.

We are all quick to stereotype people into Baby Boomers, Gen X, Gen Y and although this can make things easier to give our listeners and readers an idea of the age group we are talking about, when it comes to money I don't think it does that great a job.

Some of my Gen X clients will talk to me about their younger siblings and how although they are just on the X side of Gen Y, they have a very different view towards their money.

I'll admit I'm not the biggest fan of Valentine's Day. Prices go up for almost anything that can be slightly linked to this celebration and service at restaurants can go out the window for one of their busiest nights of the year.

With all of this fuss and the pressure to do something special, I have found that over the years my husband is quite happy to do things a little differently to make the most of the day and to create something special that doesn't need to cost a lot.

Some of our previous Valentine Day celebrations include:

We all lead such busy lives today that we are always looking for dinner ideas and cheap easy quick dinner ideas are definitely the best ones.

I asked a few people what their suggestions were if they had to prepare dinner in under 10 minutes. Overwhelmingly the response was pasta.

Pasta with fresh ingredients, pasta with pesto sauce and pasta with tomato sauce were all suggestions.

I have been known to cook pasta on a night when I'm running out of time but it usually takes me more than 10 minutes and sometimes I need to eat a lot sooner than the pasta can cook.

Boutique Money Management help a wide variety of people with their money and here are some of the ways we can help you.

All of our clients have dreams and what we do is help them make those dreams a reality.

Whether your dream is to be debt free or financially independent, here at Boutique Money Management we understand that not all of us are lucky enough to have family and friends who have been there before us and can teach us the skills and knowledge we need to reach those dreams.