Completion day is not the end of the sale. It is the start of a short window in which a handful of early choices quietly set the trajectory for the next twenty years.
Completion day is not the end of the sale. It is the beginning of a compressed period in which a handful of early choices will quietly set the trajectory for the next twenty years, and undoing any of them later tends to be expensive.
The first act of good advice in this window is to slow everything down. Most of the permanent damage done to post-sale wealth happens not in the markets but in the first quarter's behaviour.
Tax elections go uncompleted because no one mentioned them. A new property gets bought in a hurry because the house-hunt had been on pause for eighteen months. The compounding effect of three of these decisions together is sometimes a decade of underperformance against a plan that was never written down.