Financial Planning
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“A goal without a plan is just a wish”
Antoine de Saint-Exupery

Financial Planning

Financial planning is about understanding where you are today, where you want to be, and then creating a “how to” plan to get you there. Think of it as a personal road map to guide you and your finances towards your financial goals. Our holistic approach to financial planning incorporates the Six Financial Elements needed to achieve a healthy financial life which involves so much more than pointing out the road.

Why is a Financial Plan Critical?

In a nutshell – confidence!

Having a written financial plan provides comfort and confidence that you’re in control of your future – not matter what life throws at you. It also helps you to:

  • develop better money management habits
  • avoid bad decision making
  • reduce impulse buying and accumulating bad debt
  • become financially resilient
  • have less stress and better physical & mental health – truly!


The evidence is clear – people who have a financial plan are far more likely to achieve their goals and live the life they desire.

Five Steps For A Healthy Financial Life

When you get back to basic principles, achieving your goals shouldn’t be complicated. Our aim is to make everything we do easy to understand and apply. The personal Financial Planning process involves five steps:

Where are you going?
Together, we get to the heart of what you want to own, do and achieve and your underlying motivations (your “WHY”). A bigger house so that everyone can have some personal space?  Create or grow a business to live your passion? Your goals are yours alone and will change throughout your lifetime.

What is your starting point?
We conduct a financial health check examining all areas of your financial life. The more details you share, the more robust your plan will be. After all, it’s impossible to create and follow a road map without first knowing what your starting point is.

Plotting your course
Next we create your tailored financial plan aligned to the Six Financial Elements. What actions do you need to take (or not take!) to get you to where you want to be? Flexibility is inbuilt for life’s little detours – but always, you will understand the big picture and what needs to be done.

Making it happen
At this point you are free to take your financial plan with you and follow it, or you can engage our brokerage services to do some of “the do” for you. The choice is yours.

Staying the Course
If you elect to continue working with us, we help to keep you on track with periodic reviews and provide regular educational information to help you upskill your financial knowledge. It’s our mission to be an integral part of your financial journey throughout your lifetime.

Want to know more about Financial Planning?






“We knew how to earn money and how to spend it, but when it comes to financial planning we have no clue. What really impressed us was the way Sam took the time to get a feeling for where we are at! His depth of knowledge, lateral thinking, and his common sense approach impressed us.”

Nimali P