Mixing Babies And Business™

🚼📊 Send us a listener question or episode feedback!

INTRO: My name is Amy Lynch and in today's solo episode I'm going to be sharing why my advocacy work paused last year when life went a bit sideways.

Trigger warning: I will be discussing a car accident and Traumatic Brain Injury (TBI) – please skip over this one if you need to. If you or someone you know has experienced an injury like this, I will be covering strategies I’ve used, resources I’ve found and an organization which can help you, in the show notes.

THINGS I TALK ABOUT:

• Why the podcast took another mini-break over the past month and how it relates to what I've been learning about TBI 
• The importance of asking for help, letting things go, adjusting my expectations and practicing self-compassion
• When a good "no" is better than a bad "yes"
• The non-profit organization and programming from Ontario Brain Injury Association (OBIA)
• All of the good ways I’ve discovered how my flexible and remote work with kids toolkit, processes, mindset and support network have helped me over the past year because I believe it can help you too
• Strategies numbered 1 through 7 to support you when life goes sideways and you have young kids to look after – most of these can be implemented straight away and are free!
• Previous solo episodes to inspire, encourage and provide practical actions for you during your adventures and experiences with mixing babies and business (EP 45 Baby In The Boardroom Parentpreneur, EP 54 Remote Work With Kids, EP 61 Hosting Events With Kids, EP 70 Pitching And Presenting With Kids, EP 80 Podcasting With Kids, EP 89 Becoming An Activist And Social Changemaker)
• Get in touch with me (Amy) online at: mixingbabiesandbusiness.com/contact

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

- Amy Lynch (+ Family)
Founder + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 3: Martin Barnes is a parent of six-year-old twins, founder of 8 Seconds 2 Connect and graphic artist at ThisCityArt. With 20 years of experience in design, film and advertising, Martin is focused on supporting C-Suite leaders with their messaging and delivery.

This is final episode of our conversation, where we talk about getting inspired by his kids and the importance of being able to communicate your message to all ages.

THINGS WE TALK ABOUT:

• Getting inspired by his kids during after school car rides
• The importance of reading aloud and listening back to yourself
• Speaking to those who are 5-years-old and 75-years-old
• The use of AI, digital literacy and future of education
• Moving overseas to China to teach design and how it evolved into his current work helping people with their communications
• How you can connect with Martin and access his ROI from speaking scorecard

Thanks to Martin for taking part of his day to speak with me about parenthood, travel, international family life, flexible work and the future of education.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

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ABOUT MARTIN BARNES
Martin Barnes is a parent of six-year-old twins, founder of 8 Seconds 2 Connect and graphic artist at ThisCityArt. With 20 years of experience in design, film and advertising as a guest speaker, creative director, trainer and lecturer, Martin is focused on supporting C-Suite leaders with their messaging and delivery.

CONNECT WITH MARTIN
Website eightsecondstoconnect.com
LinkedIn @martinbarnespresentations and @8seconds2connect
Check your ROI from speaking at events via roiconferencespeaking.scoreapp.com

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 2: Martin Barnes is a parent of six-year-old twins, founder of 8 Seconds 2 Connect and graphic artist at ThisCityArt. With 20 years of experience in design, film and advertising, Martin is focused on supporting C-Suite leaders with their messaging and delivery.

This is the second of three mini episodes of our conversation. In this interview, we talk about relocating from China to England with his family, intergenerational living and creating inclusive spaces.

THINGS WE TALK ABOUT:

• What it's been like relocating suddenly from China to England four years ago after what was meant to be a five-week vacation
• Intergenerational living with his parents, wife and twin daughters
• Living with family close by, the interactions everyone is having and mutual benefits to all involved
• Working remotely since 2013 and travelling while maintaining client work
• How we can make hospitality AND business spaces more accessible for parents and their children

Thanks to Martin for taking part of his day to speak with me about parenthood, travel, international family life, flexible work and accessibility.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

------------------------------------

ABOUT MARTIN BARNES
Martin Barnes is a parent of six-year-old twins, founder of 8 Seconds 2 Connect and graphic artist at ThisCityArt. With 20 years of experience in design, film and advertising as a guest speaker, creative director, trainer and lecturer, Martin is focused on supporting C-Suite leaders with their messaging and delivery.

CONNECT WITH MARTIN
Website eightsecondstoconnect.com
LinkedIn @martinbarnespresentations and @8seconds2connect
Check your ROI from speaking at events via roiconferencespeaking.scoreapp.com

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 1: Martin Barnes is a parent of six-year-old twins, founder of 8 Seconds 2 Connect and graphic artist at ThisCityArt. With 20 years of experience in design, film and advertising, Martin is focused on supporting C-Suite leaders with their messaging and delivery.

This is the first of three mini episodes of our conversation. In this interview, we talk about being intentional in your communications with clients and children, mindset, vulnerability and connecting with your audience.

THINGS WE TALK ABOUT:

• Being introduced to Amy while doing the weekly grocery shop via another podcast
• Burning out and deciding to change his style of working before becoming a parent
• What he thinks about doing public speaking alongside your kids and why he's been amplifying Amy's work with Mixing Babies And Business
• How working with a parent and founder who was building an app to support raising her son with autism, inspired him to develop a framework to help presenters connect with their audience and communicate with intention
• The importance of a solid foundation of mindset and strategy while pitching, delivering a presentation or even communicating with your kids
• Why you shouldn't worry about your slides, performance or delivery being perfect
• How filler words and being human in front of your audience builds empathy and trust

Thanks to Martin for taking part of his day to speak with me about parenthood, his views on sharing your message, being authentic and becoming an effective speaker.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

------------------------------------

ABOUT MARTIN BARNES
Martin Barnes is a parent of six-year-old twins, founder of 8 Seconds 2 Connect and graphic artist at ThisCityArt. With 20 years of experience in design, film and advertising as a guest speaker, creative director, trainer and lecturer, Martin is focused on supporting C-Suite leaders with their messaging and delivery.

CONNECT WITH MARTIN
Website eightsecondstoconnect.com
LinkedIn @martinbarnespresentations and @8seconds2connect
Check your ROI from speaking at events via roiconferencespeaking.scoreapp.com

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 3: Rita Piçarra is a parent, author, speaker and former Chief Financial Officer at Microsoft Portugal. With over 20 years of experience in finance and leadership roles spanning the United States, Brazil, France, Spain and Portugal.

This is the final episode of our conversation. In this interview, we cover financial literacy, what her daughter has taught her and the world we are living in.

THINGS WE TALK ABOUT:

• Accessing financial literacy education where you live
• Compound interest and how time plays an important role
• Witnessing her daughter's caring and compassionate nature
• Her thoughts on the future of the world
• What her family is doing to create impact within their local environment
• The ways in which you can get in touch with Rita

Thanks to Rita for taking part of her day to speak with me about parenthood, work and financial literacy.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

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ABOUT RITA PIÇARRA
Rita Piçarra is a parent, author, speaker and former Chief Financial Officer at Microsoft Portugal. With over 20 years of experience in finance and leadership roles spanning the United States, Brazil, France, Spain and Portugal, she was recognized as the best financial manager at Microsoft Latin America in 2016. Rita retired at age 44 and is an advocate for financial literacy and building a life outside of work.

CONNECT WITH RITA
LinkedIn linkedin.com/in/ritapicarra
Instagram @rita_picarra
‘A Vida não Pode Esperar (Life Can’t Wait)’ is Rita’s first book: https://www.bertrand.pt/livro/a-vida-nao-pode-esperar-rita-picarra/29618236
Microsoft Work & Life News https://news.microsoft.com/source/features/work-life/portugal-surfer/

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 2: Rita Piçarra is a parent, author, speaker and former Chief Financial Officer at Microsoft Portugal. With over 20 years of experience in finance and leadership roles spanning the United States, Brazil, France, Spain and Portugal.

This is the second of three mini episodes of our conversation. In this interview, we cover the importance of mentorship, investing in yourself and financial literacy.

THINGS WE TALK ABOUT:

• Being in a team at Microsoft Portugal known for innovation
• What it takes to be a leader and how it's not always connected to seniority
• Mentoring others in her career, the importance of advocacy
• Asking people what they need and creating an inclusive workplace
• How to begin with investing in yourself
• What the Financial Independence Retire Early (FIRE) movement is
• Why you shouldn't be asking the bank for advice
• The fundamentals of financial literacy
• Remembering at the end of the day, your money is your money and you need to advocate for yourself

Thanks to Rita for taking part of her day to speak with me about parenthood, work and financial literacy.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

------------------------------------

ABOUT RITA PIÇARRA
Rita Piçarra is a parent, author, speaker and former Chief Financial Officer at Microsoft Portugal. With over 20 years of experience in finance and leadership roles spanning the United States, Brazil, France, Spain and Portugal, she was recognized as the best financial manager at Microsoft Latin America in 2016. Rita retired at age 44 and is an advocate for financial literacy and building a life outside of work.

CONNECT WITH RITA
LinkedIn linkedin.com/in/ritapicarra
Instagram @rita_picarra
‘A Vida não Pode Esperar (Life Can’t Wait)’ is Rita’s first book: https://www.bertrand.pt/livro/a-vida-nao-pode-esperar-rita-picarra/29618236
Microsoft Work & Life News https://news.microsoft.com/source/features/work-life/portugal-surfer/

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 1: Rita Piçarra is a parent, author, speaker and former Chief Financial Officer at Microsoft Portugal. With over 20 years of experience in finance and leadership roles spanning the United States, Brazil, France, Spain and Portugal.

This is the first of three mini episodes of our conversation. In this interview, we talk about how her upbringing influenced her as a parent and a professional.

THINGS WE TALK ABOUT:

• How her upbringing influenced her future choices
• The first job she held outside of University, working in audit doing long hours and the toll it took on her personal life
• The impact the sudden death of a famous Portuguese footballer on live television had on her early in her career
• Losing both of her parents in their 50s and deciding to move to a more flexible workplace to prioritize her health
• Setting the goal at the age of 25 to be the CFO of Microsoft Portugal
• Working on a career development plan which took her around the world with Microsoft, having her daughter in Brazil 
• Relocating to Miami as a young family and negotiating for flexibility as a new parent living overseas
• Retiring at the age of 44 and the importance of financial literacy

Thanks to Rita for taking part of her day to speak with me about parenthood, work and financial literacy.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

------------------------------------

ABOUT RITA PIÇARRA
Rita Piçarra is a parent, author, speaker and former Chief Financial Officer at Microsoft Portugal. With over 20 years of experience in finance and leadership roles spanning the United States, Brazil, France, Spain and Portugal, she was recognized as the best financial manager at Microsoft Latin America in 2016. Rita retired at age 44 and is an advocate for financial literacy and building a life outside of work.

CONNECT WITH RITA
LinkedIn linkedin.com/in/ritapicarra
Instagram @rita_picarra
‘A Vida não Pode Esperar (Life Can’t Wait)’ is Rita’s first book: https://www.bertrand.pt/livro/a-vida-nao-pode-esperar-rita-picarra/29618236
Microsoft Work & Life News https://news.microsoft.com/source/features/work-life/portugal-surfer/

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

INTRO: My name is Amy Lynch and in today's solo episode I'm going to be sharing the momentum my activism, advocacy and work behind the scenes of Mixing Babies And Business™ has gained over the past eight years – including the positive and negative experiences I've had bringing my kids into business settings – some stories for inspiration, words of encouragement and practical actions you can begin to take to create social change.

THINGS I TALK ABOUT:

• How becoming a remote worker, freelancer and having experience working in PR, media and events prepared me to be comfortable around strangers
• The rooms I've been in over the past 18 months, as a result of starting to mix babies and business as a new parent eight years ago
• Common themes I've noticed across almost 100 podcast episodes, hosting events, networking, mentoring and speaking with parents
• Having my first baby overseas in London, England, joining a startup program and going to networking events in 2016
• Relocating to Canada, entering business spaces with a baby, then toddler and pregnant with our second kid in 2018
• Advocating for baby change facilities in corporate and education spaces
• Going from speaking on stages with my kids to advising on pop-up childcare at business events
• Creating resources for parents doing flexible and remote work with kids
• Transitioning from in person events and meetups to this podcast and virtual village
• Previous solo episodes to inspire, encourage and provide practical actions for you during your adventures and experiences with mixing babies and business (EP 45 Baby In The Boardroom Parentpreneur, EP 54 Remote Work With Kids, EP 61 Hosting Events With Kids, EP 70 Pitching And Presenting With Kids, EP 80 Podcasting With Kids)
• Get in touch with me (Amy) online at: mixingbabiesandbusiness.com/contact

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

- Amy Lynch (+ Family)
Founder + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 3: Gonçalo Hall is a parent, CEO and founder of NomadX, co-founder of Gosa Experience, a digital nomadism consultant, speaker and community leader. In our third and final episode, we talk about the early days of parenthood and realizing you can't do it all, being present and his vision for the future of borderless talent.

THINGS WE TALK ABOUT:

• What he wishes someone would have told him about becoming a new parent and an entrepreneur, during a period when he didn't stop working
• Speaking to other Dads about difficulties during the postpartum period, caregiving duties he couldn't help with and not being able to 'do it all'
• How his partner and him decided to divide up caregiving and work in the early days
• The importance of being present for his partner and daughter, as he doesn't currently outsource or automate all aspects of his business
• Batching his travel, conferences and other engagements to spend shorter amounts of time away from his family
• His vision when it comes to borderless talent, being a digital nomad family and connecting with others around the world mixing babies and business in future

Thanks again to Gonçalo for speaking with me about his first year of being a parent and an entrepreneur, adapting to digital nomad life with a family and how it is impacting the ways he does business and builds communities with other collaborators.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

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ABOUT GONÇALO HALL
Gonçalo Hall is a parent, CEO and founder of NomadX, co-founder of Gosa Experience, a digital nomadism consultant, speaker and community leader. Passionate about making interesting places more accessible and impactful for remote workers, Gonçalo spoke with me about launching digital nomad villages, projects with local governments and the borderless talent movement, alongside his family's relocation from Portugal to Brazil. 

CONNECT WITH GONÇALO
Website nomadx.com and gosaexperience.com
LinkedIn linkedin.com/in/goncalohall
Instagram @gonzohall @nomadx.experience @digitalnomadsbrazil @theboundlessfamily
Facebook @nomadxplorations

------------------------------------

ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
Each Season's episodes are published twice weekly on Tuesday and Friday – for parents interested in flexible and remote work with kids: http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.

🚼📊 Send us a listener question or episode feedback!

PT 2: Gonçalo Hall is a parent, CEO and founder of NomadX, co-founder of Gosa Experience, a digital nomadism consultant, speaker and community leader. In the second mini episode, we talk about your responsibility as a leader and individual to inspire others, build trust and uphold the integrity of the movement, community or concept you are creating.

THINGS WE TALK ABOUT:

• The magic of events and interactions to connect with like-minded people, build new relationships and collaboration opportunities
• Stepping into your leadership and responsibility for using your vision to inspire others to join you as you build from an initial concept or idea
• The concept of borderless talent and what it means for him to belong to this group of people
• 'Going first', having people and organizations approach you and your responsibility to create trust within your community or movement
• How Amy defines opportunities based on integrity, upholding her boundaries and defining the motivations behind potential collaborations

Thanks again to Gonçalo for speaking with me about what it's been like to generate excitement around ideas, collaborate with others and filter through opportunities related to digital nomad life.

Season 6 is sponsored by the Mixing Babies And Business Changemaker Program – for people who want to do things differently, create an impact and advocate for primary caregivers and their families along the way: mixingbabiesandbusiness.com/changemaker

------------------------------------

ABOUT GONÇALO HALL
Gonçalo Hall is a parent, CEO and founder of NomadX, co-founder of Gosa Experience, a digital nomadism consultant, speaker and community leader. Passionate about making interesting places more accessible and impactful for remote workers, Gonçalo spoke with me about launching digital nomad villages, projects with local governments and the borderless talent movement, alongside his family's relocation from Portugal to Brazil. 

CONNECT WITH GONÇALO
Website nomadx.com and gosaexperience.com
LinkedIn linkedin.com/in/goncalohall
Instagram @gonzohall @nomadx.experience @digitalnomadsbrazil @theboundlessfamily
Facebook @nomadxplorations

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ABOUT MIXING BABIES AND BUSINESS™
Where parenthood meets professional development:
Edited down into under 20-minute episodes, released each Season twice weekly on Tuesday and Friday – for parents interested in flexible and remote work with kids: http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me and sharing with your network of parents!

- Amy Lynch (+ Family)
Founder | Event + Podcast Host

---------------------------------

Did you enjoy this episode?
Please subscribe and leave a podcast review – it helps other parents find the podcast!

Learn more about #mixingbabiesandbusiness
For parents interested in flexible and remote work with kids:
http://mixingbabiesandbusiness.com/free-resources

Thanks for joining me!

A reminder to our audience: We're not certified medical professionals, financial advisers or legal professionals. You are advised to consult with an independent professional or advisor for advice on your specific circumstances.