How financial planning works

“A goal without a plan is just a wish.”

Antoine de Saint-Exupery

Financial planning can be a simple as a 3-step process, first you need to take control of managing your money, start to grow your wealth and finally protect your wealth.

Typically, we plan for the events in our lives; weddings, birthdays and holidays however we seldom stop to plan our finances over a long time. The fulfillment of lifetime goals is best achieved through a lifetime plan. A lifetime plan is best achieved through working together with a lifetime planner.

Understanding what you want your lifestyle to look like may be a daunting task. Start by creating some short-term goals. What would you like to achieve in the next 18 months and then work through 3, 5 and 10 year goals. Goals don’t have to be set in stone, they don’t have to be big or small – they just have to be yours, and what you are passionate about achieving.



Managing money – income and expenditure, is critical to financial security. The key is in banking structure not in budgeting. As part of your journey to financial freedom we will work through a banking structure to tell your money where to go, instead of wondering where it went.

Growing your wealth -dependent on your goals, the length of time you have to achieve them and the level of risk you are comfortable with, we will work through investment options such as stocks (shares), bonds, property, business and speculative. Your Authorised Financial Advisor will educate and advise you around your options so you can make an informed decision.

Protecting your wealth -Once your goals have been determined and your investment strategy has been developed we will take you through how to protect your assets, income and health. This area of planning includes all insurances and products of estate management – including Wills, Trusts, Enduring Powers of Attorney, Property relationship and Business Ownership structures.


Sound financial advice is desperately needed by the people around us. We live in the most successful economy in history, yet it’s not too much to say that ours is a nation of financial illiterates because fundamentals of personal finance are all but untaught in our schools or homes.


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“Destiny is not a matter of chance, it is a matter of choice.
It is not a thing to be waited for, it is a thing to be achieved.”

William Jennings Bryan

Written by Robert Baldwin | FoxPlan 

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