The following article is an interesting and worrying read. http://www.bbc.co.uk/news/business-21348712 Self-employment can be a liberating and financially rewarding career choice. It can also be very stressful and lead to economic misery. Independent Financial Advisors can help their clients plan for periods of loss and help them decide if they need to stop and find part time or full time employment. A two hour fee would be well worth it if it avoids financial misery from not planning when to quit.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn