u/gammawei

Ex-Referees / Referee Experts (Broad consensus on correct decision)
• Mark Clattenburg (ex-Premier League ref): Clear foul — Pablo’s arm across Raya stopped him challenging for the ball. VAR correct to review and disallow. 
• Mark Halsey (ex-Premier League ref): “You can clearly see that Pablo has impeded Raya… Todibo has got hold of Raya’s shirt… two fouls in there!” Correct decision. 
• Dermot Gallagher (ex-Premier League ref, Sky Sports): Foul by Pablo occurred first (chronological order); officials got it right. 
• Darren Cann (ex-Premier League assistant ref): “It is a foul by Pablo holding David Raya’s arm and clearly impeding Raya… Also, shirt pulled by Todibo… It is a foul, that is the bottom line.” 
• Chris Foy (ex-Premier League ref): Analysed as a foul on the goalkeeper in post-match reviews. 
Pundits / Ex-Players
• Gary Neville (Sky Sports): Foul with Pablo’s arm on Raya; called the VAR process potentially the “biggest moment in VAR history” in the Premier League. 
• Ian Wright (ex-Arsenal): “Without doubt” correct; Raya would have caught it if not impeded. 
• Roy Keane (ex-Man Utd): “Really silly from West Ham. Do not put your hands on the goalkeeper!” (especially with VAR checking). 
• Jamie Carragher (ex-Liverpool/Sky): Clear foul on Raya; provided detailed breakdowns supporting the call. 
• Wayne Rooney (ex-Man Utd/Everton): “It is a clear foul… You can clearly see the arm crosses his face and it impacts him getting to the ball.” 100% foul in any league. 
• Alan Shearer (ex-Newcastle/BBC): “It probably was a foul, he had his arm across him.” Agreed on incident but noted consistency issues. 
• Gary Lineker (BBC): “I do think it was a foul.” Noted grappling but agreed on the specific call. 
• Jamie Redknapp (Sky): Part of Sky studio consensus — brave but right call. 
• Danny Murphy (ex-Liverpool): Defended the decision as a foul on Raya. 
• Owen Hargreaves (ex-Man Utd/Bayern): Noted Raya’s arm being pulled.

Hi All

Like to seek some opinion on financial planning.

I’m in my 50s with inherent health issues and looking at maximising passive income, wealth preservation and inheritance for children. I do not fully trust banks and insurance agents as their primary objective is to sell products. I’m looking at objective assessment and recommendation and AI proposed that I look at fee only advisory such as Providend.. like to seek advice from bros and sis here 🙏🏼 that have used such services

EDIT: Thank you for all, I have received a wide spectrum of comments, I appreciate all. I am looking independent planning advice separated from execution (wealth mgt).. so I’m sorry that IFA linked to insurers are not my priority (got various DM), so banks are out too. I realised that ‘no fee advisory’ can provide a few complimentary sessions so I may go for that to assess their usefulness. I also got some really good advices on some key points I should look out in my financial planning. Those that ask me for details of my financials, I’m really not comfortable to share details in public, my apologies. The intent here is to ask about no fee advisory.