OVERVIEW

Financial planning is a skill set. It is essential for anyone who wants to achieve freedom from constant money concerns and constraints.


You should take charge of your finances now, it’s never too soon to implement a sound financial plan —although a long time horizon is an advantage.

Financial planning is very personal. It involves an examination of how you use your money and what you want to happen for yourself financially in the future.

  • Everyone has different wants and needs, such as a house, education, or travel.
  • Everyone places a different value on lifestyle choices.
  • Everyone has different ideas about retirement.

Financial planning requires setting goals. You must assess what your real spending requirements are before you can anticipate how much you can save. This assessment involves a hard look at what expenditures are truly necessary to maintain your lifestyle and what could be foregone in order to achieve some of your dreams.

In traditional financial planning, a six-step process is used to plan for the future. These steps require you to:

  1. Assess your current financial position.
  2. Establish goals and objectives.
  3. Identify obstacles and opportunities.
  4. Build your plan—solutions and alternatives.
  5. Take action—implement your plan.
  6. Review periodically.

A financial plan addresses:

  • Savings and debt
  • Investing
  • Retirement planning
  • Life and death (insurance, wills and estate planning)
  • Tax planning
  • Life events

The material on this website will help you develop your own financial plan and your financial planning skills. You’re the only one who can determine your priorities and the level of commitment you are willing to make.

Look in the mirror. Visualize what your future self will look like in 10, 20 or even 30 years. Will that future self be financially stressed or financially secure? Start with the end in mind. Build your financial planning skills today; create a solid foundation and peace of mind for your future self.



Get Started

Financial planning is all about you. No matter your age or financial position, now is a good time to start getting your financial life in order.

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Goals & Objectives

Saving money for the sake of saving is good financial planning. But, to turn dreams into reality, meaningful saving needs a purpose.

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Build Your Plan

A financial plan is more than an investment account. It’s your blueprint for achieving your goals while protecting you and your family.

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Take Action

The best time to start is now. The past is past. It's what you do now that counts. Start small but set yourself up for success.

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Who to Turn to

Advisors, institutions and government regulators. Discover who the players are and in which field they play.

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Life Events

Life’s major events generate a whole host of emotions and challenges. Being financially prepared will reduce stress and anxiety, making the transition much smoother and easier to handle.

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